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ARTICLE · 14 SEPTEMBER 2023

A Quick Update On Work-From-Home Requirements For Oregon MLOs

Mayer Brown
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In the May edition of Licensing Link, we discussed the growing trend of states issuing guidance or amending their licensing laws to permit mortgage loan originators and consumer...

United StatesFinance and Banking
Krista Cooley
Krista Cooley
Francis L. Doorley
Francis L. Doorley
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In the May edition of Licensing Link, we discussed the growing trend of states issuing guidance or amending their licensing laws to permit mortgage loan originators and consumer lenders to engage in remote work since the onset of the COVID-19 pandemic. In October 2022, the Oregon Department of Financial Regulation issued regulations under its Mortgage Lending Act that permitted licensed mortgage bankers and mortgage brokers to allow their licensed mortgage loan originators to originate loans from the MLO's personal residence, provided that the licensed mortgage banker or broker has appropriate policies and procedures in place to supervise the activities of MLOs and employees working from home.1 These policies and procedures include, but are not limited to, data security measures to protect consumers' personal information. The regulations also require a licensee to upload a copy of their remote work policies and procedures to the NMLS as part of the required "Company

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