California Residential Mortgage Lending Act

How to reach us:

Announcements 

• 02/04/2020 – New Online Form Available for 2019 CRMLA Annual Report (PDF)
• 01/28/2020 – 2019 Residential Mortgage Loan Report (Holden Act) and Instructions (PDF)
• 01/24/2019 – 2017 Residential Mortgage Loan Report (Holden Act Report) (PDF)
• 01/07/2019 – New Online Form Available for 2018 CRMLA Annual Report (PDF)
• 06/29/2018 – 2017 CRMLA Annual Report (PDF)
• 07/11/2016 – First-Ever CRMLA Annual Report Released (PDF)
• For Archives Click Here

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.

Licensee 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 

Publications

• California Residential Mortgage Lending Act Reports
• Bona Fide Nonprofit Affordable Housing Organizations

Forms

• Forms
• Form Report
• Translated Residential Mortgage Loan Forms and Pre-Foreclosure Notices

Laws and Regulations

• About the California Residential Mortgage Lending Act
• California Residential Mortgage Lending Act – Regulations, Legislation, Opinions, Releases

Resources

• California Civil Code section 2924.8 Notice of Foreclosure Sale (PDF)
• The Nationwide Multistate Licensing System & Registry (NMLS) Information on CRMLA licensing requirements is also available on the NMLS website. The NMLS, developed through the Conference of State Bank Supervisors (CSBS) and the American Association of Residential Mortgage Regulators (AARMR), allows companies to conveniently manage their mortgage license(s) in an electronic format through a secure website. Please visit NMLS for additional information. View state licensing requirements specific to the California Department of Financial Protection and Innovation.

Residential Mortgage Forms

Reporting

2018 Annual California Residential Mortgage Lending Act Report – Due March 1, 2019

Licensees under the California Residential Mortgage Lending Act (CRMLA) are now able to complete their 2017 CRMLA Annual Report electronically.  Instructions for completing the annual report were sent to each licensee’s designated email address on January 20, 2018. Reports must be submitted online using the unique link included in the e-mail. The instructions also include a link to a blank paper copy of the report to help you compile the information and prepare to file the online form. The report must be filed by all CRMLA licensees by March 1, 2019.

• 2018 CRMLA Annual Report Notice

Residential Mortgage Loan Report (Holden Act Report) for Calendar Year 2018 – Due March 31, 2019

Specified DFPI-licensed lenders must file their 2018 Residential Mortgage Loan Report by March 31, 2019. The report is mandated by the state’s Housing Financial Discrimination Act of 1977, known as the Holden Act.

• 2018 Residential Mortgage Loan Report (Holden Act) Instructions (PDF)
• FAQs – Residential Mortgage Loan Report – Frequently Asked Questions

Mortgage Call Report

Due 45 days after the end of each quarter.  Every licensee must file the Mortgage Call Report on NMLS each quarter.  Please refer to the NMLS Resource Center. Audited Financial Statements, Due within 105 days of end of fiscal year:

• The licensee must submit audited financial statements within 105 days of the end of its fiscal year.  The audited financial statements must document that the licensee maintains tangible net worth of $250,000 and must be posted on the NMLS.   See Submitting Financial Statements on NMLS.