# Registration of Mortgage Loan Originators
> **OCC** · Final rule. · Published 2010-07-28 · Effective 2010-10-01 · 75 FR 44656
## Document
- **Document number:** 2010-18148
- **Category:** other
- **Sub-agency:** OCC
- **Federal Register citation:** 75 FR 44656
- **CFR reference:** 12 CFR 34
- **Publication date:** 2010-07-28
- **Effective date:** 2010-10-01
- **Treasury docket:** Docket ID OCC-2010-0007
## Abstract

The OCC, Board, FDIC, OTS, FCA, and NCUA (collectively, the Agencies) are adopting final rules to implement the Secure and Fair Enforcement for Mortgage Licensing Act (the S.A.F.E. Act). The S.A.F.E. Act requires an employee of a bank, savings association, credit union or Farm Credit System (FCS) institution and certain of their subsidiaries that are regulated by a Federal banking agency or the FCA (collectively, Agency-regulated institutions) who acts as a residential mortgage loan originator to register with the Nationwide Mortgage Licensing System and Registry, obtain a unique identifier, and maintain this registration. The final rule further provides that Agency- regulated institutions must: require their employees who act as residential mortgage loan originators to comply with the S.A.F.E. Act's requirements to register and obtain a unique identifier, and adopt and follow written policies and procedures designed to assure compliance with these requirements.

## Source
- [Federal Register document](https://www.federalregister.gov/documents/2010/07/28/2010-18148/registration-of-mortgage-loan-originators)
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