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SAFE Act

SAFE Act

The Secure and Fair Enforcement for Mortgage Licensing Act of 2008 (also known as the SAFE Act) is a federal law designed to improve consumer protection and reduce fraud.  Under this law, individual Mortgage Loan Originators (MLOs) must register in the Nationwide Mortgage Licensing System and Registry (NMLS).  All registered Mortgage Loan Originators have a unique identification number (NMLS ID) that they use throughout their career, even if they change employers.  Here is some additional information about the SAFE Act and Mortgage Loan Originators.

What is a Mortgage Loan Originator (MLO)?

The SAFE Act defines a Mortgage Loan Originator as someone who:

What is the NMLS?

The Nationwide Mortgage Licensing System and Registry ("NMLS") is the online system created to support registration of Mortgage Loan Originators.

What is the NMLS ID?

The NMLS ID is a unique identification number that is issued by the Nationwide Mortgage Licensing System and Registry ("NMLS") to each Mortgage Loan Originator (MLO).

How can I learn more about the Mortgage Loan Originator that I am working with?

You can learn more about the Mortgage Loan Originator from American Bank that you are working with by accessing the NMLS Consumer Access website at www.nmlsconsumeraccess.org.

How do I find a listing of American Bank's Mortgage Loan Originators?

We're happy to provide you an updated list of American Bank's Mortgage Loan Originators.  Simply expand the menu below to view the list of registered MLOs from American Bank.

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