California Residential Mortgage Lending Act

Phone: (866) 275-2677
The caller should leave a message including the company NMLS ID number, caller’s name, contact phone number, and a brief message relating the concern, and someone from our team will return the call as soon as possible.

Announcements

• 02/27/2023 – DFPI Guidance Regarding Remote Work (PDF)
• 02/02/2023 – 2022 Residential Mortgage Loan Report (Holden Act) and Instructions (PDF)
• For Archives Click Here

Consumer Information

• How to file a complaint
• Search the Licensee Listing
• NMLS Consumer Access Information on companies and branches licensed under CRMLA is also available on NMLS Consumer Access. NMLS Consumer Access is a fully searchable website that allows the public to view information concerning state-licensed mortgage companies, branches and individuals currently licensed through NMLS.

Licensing Questions and Information

• Who is Required to Obtain a License or Branch License under the CRMLA
• How Do I Apply for a CRMLA License or Authorize a Branch Office under the CRMLA
• Requirements After a CRMLA License has been issued
• How Do I Amend CRMLA License or authorize a Branch Office under the CRMLA
• How Do I Surrender a CRMLA License or Branch Office Authorization under the CRMLA
• Frequently Asked Questions about California Residential Mortgage Lending Act

For companies that employ Mortgage Loan Originators

• Requirements for CFLL and CRMLA Licensed Companies who employ MLOs
• Bona Fide Nonprofit Organizations
• DFPI Guidance to CRMLA licensees regarding Remote Work

Publications

• Residential Mortgage Loan Reports or Holden Act Reports
• California Residential Mortgage Lending Act Annual Reports
• Bona Fide Nonprofit Affordable Housing Organizations

Laws and Regulations

• About the California Residential Mortgage Lending Act
• Regulations, Legislation, Opinions, Releases
  • Commissioner’s Releases – California Residential Mortgage Lending Act
    • 58-FS: Evidence of Compliance with Financial Code Section 50204(o)(revised) (PDF)
    • 62-FS: Implementation of Guidance Including “Best Practices” for Certain Nontraditional and Adjustable Rate Mortgage Loan Products.
      • Comparison Chart [doc]
      • For complete documents related to this Release, see Commissioner’s Releases – California Residential Mortgage Lending Act

      Resources

      Self-Service Portal on DOCQNET
      

      The Department of Financial Protection and Innovation (DFPI) Self-Service Portal offers convenient online services to consumers and businesses seeking licensing information from DFPI. The Portal allows licensees to submit exemption notices and annual report information.

      Nationwide Multistate Licensing System (NMLS) Consumer Access

      Nationwide Multistate Licensing System (NMLS) Consumer Access is a fully searchable website that allows the public to view information concerning state-licensed mortgage companies, branches and individuals currently licensed through Nationwide Multistate Licensing System(NMLS).

      Information on CRMLA licensing requirements for companies and branches engaged in making or brokering loans secured by residential real property is also available in Nationwide Multistate Licensing System(NMLS).

      Nationwide Multistate Licensing System (NMLS)
      

      An application for a license under the CRMLA should be filed through the Nationwide Multistate Licensing System (NMLS).