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ARTICLE · 14 APRIL 2026

Critical And Retroactive Changes Coming To NMLS Disclosures This Week

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The Nationwide Multistate Licensing System is implementing its first major overhaul of disclosure questions since 2008, affecting every mortgage loan originator and control person with an NMLS record.

United StatesFinance and Banking
Krista Cooley
Krista Cooley
Francis Doorley
Francis Doorley
Daniel Pearson
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Stacey Riggin
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Dana Lopez
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Jeffrey Prost
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Significant changes are coming to the Nationwide Multistate Licensing System (NMLS) later this week that will affect every person with an Individual NMLS record (Forms MU2 and MU4), as well as Company NMLS records (Form MU1) and Branch NMLS records (Form MU3) associated with such Individual NMLS records. For the first time since the system’s launch in 2008, the disclosure questions that must be answered by every “control person” and mortgage loan originator (MLO) have been revised. The new disclosure questions will be released April 18, 2026. On or after that date, an individual completing an MU2 or MU4 for the first time will respond to the revised disclosure questions. If an individual has previously submitted or currently has an MU2 or MU4 associated with an MU1 or MU3, they will have to answer the new disclosure questions and submit those answers in the system before the NMLS will allow the individual to amend their MU2 or MU4 or make a filing through NMLS tied to their MU2 or

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