California Residential Mortgage Lending Act
How to reach us:
Department of Financial Protection and Innovation
Financial Services
320 W. 4th Street, Suite 750
Los Angeles, CA 90013
Phone: (866) 275-2677
The caller should leave a message including the company NMLS ID number, caller’s name, contact phone number, and a brief message relating the concern, and someone from our team will return the call as soon as possible.
Email: CRMLA.Licensing@dfpi.ca.gov
Announcements
Consumer Information
- How to file a complaint
- Search the Licensee Listing
- NMLS Consumer Access
Information on companies and branches licensed under CRMLA is also available on NMLS Consumer Access. NMLS Consumer Access is a fully searchable website that allows the public to view information concerning state-licensed mortgage companies, branches and individuals currently licensed through NMLS.
Licensing Questions and Information
- Who is Required to Obtain a License or Branch License under the CRMLA
- How Do I Apply for a CRMLA License or Authorize a Branch Office under the CRMLA
- Requirements After a CRMLA License has been issued
- How Do I Amend CRMLA License or authorize a Branch Office under the CRMLA
- How Do I Surrender a CRMLA License or Branch Office Authorization under the CRMLA
- Frequently Asked Questions about California Residential Mortgage Lending Act
For companies that employ Mortgage Loan Originators
- Requirements for CFLL and CRMLA Licensed Companies who employ MLOs
- Bona Fide Nonprofit Organizations
- DFPI Guidance to CRMLA licensees regarding Remote Work
Publications
- Residential Mortgage Loan Reports or Holden Act Reports
- California Residential Mortgage Lending Act Annual Reports
- Bona Fide Nonprofit Affordable Housing Organizations
Laws and Regulations
- About the California Residential Mortgage Lending Act
- Regulations, Legislation, Opinions, Releases
- Commissioner’s Releases – California Residential Mortgage Lending Act
- 58-FS: Evidence of Compliance with Financial Code Section 50204(o)(revised) (PDF)
- 62-FS: Implementation of Guidance Including “Best Practices” for Certain Nontraditional and Adjustable Rate Mortgage Loan Products.
- Comparison Chart [doc]
- For complete documents related to this Release, see Commissioner’s Releases – California Residential Mortgage Lending Act
- Commissioner’s Releases – California Residential Mortgage Lending Act
- California Financial Information Privacy Act
Resources
Self-Service Portal on DOCQNET
The Department of Financial Protection and Innovation (DFPI) Self-Service Portal offers convenient online services to consumers and businesses seeking licensing information from DFPI. The Portal allows licensees to submit exemption notices and annual report information.
Portal users can search for licensees, applicants, notice filers, and search for securities and franchise filings and more.
Nationwide Multistate Licensing System (NMLS) Consumer Access
Nationwide Multistate Licensing System (NMLS) Consumer Access is a fully searchable website that allows the public to view information concerning state-licensed mortgage companies, branches and individuals currently licensed through Nationwide Multistate Licensing System(NMLS).
Information on CRMLA licensing requirements for companies and branches engaged in making or brokering loans secured by residential real property is also available in Nationwide Multistate Licensing System(NMLS).
Nationwide Multistate Licensing System (NMLS)
An application for a license under the CRMLA should be filed through the Nationwide Multistate Licensing System (NMLS).
Please visit NMLS for additional information and state licensing requirements specific to the California Department of Financial Protection and Innovation.
Residential Mortgage Forms
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Residential Mortgage Forms
Application Forms
For company license applications and amendments
An application for a License under the California Residential Mortgage Lending Act must be filed through the Nationwide Mortgage Licensing System (NMLS). Please refer to the NMLS checklist for complete instructions. The following are DFPI forms that must be submitted to the Department in addition to the electronic application in NMLS.
- BCIA 8016 – Request for Live Scan Service (PDF)
- DFPI-MBL 1950.122.2 – Notice of Officers, Directors, Partners, “Control” Persons, Managers, Members, Trustees and Employees of a Residential Mortgage Lender, Residential Mortgage Lender and Servicer or Residential Mortgage Loan Servicer (PDF)
- DFPI-MBL 1950.122B – Customer Authorization for Disclosure of Financial Records (PDF)
For certain bona fide nonprofit organizations employing MLOs:
- DFPI OLP AB 2666 – Exemption for Employees of Certain Bona Fide Nonprofit Instructions for DFPI OLP AB 2666 (PDF)
See Bona Fide Nonprofit for more details.
Report Form
- HDN-1 – 2022 Holden Act Report (HDN-1) Instructions and Forms (PDF)
See Holden Act Report FAQs for more details.
- CRMLA Annual Reports must be submitted through the DFPI Portal.