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 Temporary Authority to Operate

​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​On March 15, 2018, Congress passed the Economic Growth, Regulatory Relief and Consumer Protection Act (S. 2155)​, which included a new provision under the SAFE Act of 2008. This new provision, known as Temporary Authority to Operate, streamlines the license application process for federally registered mortgage loan originators (MLOs) seeking state licensure, and state-licensed MLOs seeking licensure in another state.   

The Economic Growth, Regulatory Relief and Consumer Protection Act was signed into law May 24, 2018 and became effective​ November 24, 2019.  ​​

What You Can Find Here
Access resources to help you understand how Temporary Authority impacts MLOs, state regulators and the mortgage industry. Plus, get details on NMLS enhancements in support of Temporary Authority.     

Frequently Asked Questions ​​

Temporary Authority Legislation by State



 Feature Demo: Temporary Authority




  • NMLS Call Center: 1-855-NMLS​-123 or 855-665-7123​   
  • NMLS Ombudsman: ombudsman@nmls.org  ​​

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