Registration of Mortgage Loan Originators (Regulation G)

Forms and Documents

Document	Type	Status	Availability
3170-0005 (Regulation G) supporting statement.docx	Supporting Statement A	Uploaded 2026-02-27	Repair queued
CFPB-2025-0050-0002 (Suncoast Credit Union).docx	Public Comments	Uploaded 2026-02-27	Available
3170-0005 Center for Regulatory Freedom Comment.pdf	Public Comments	Uploaded 2026-02-08	Available
3170-0005 30-day FRN (published).pdf	Supplementary Document	Uploaded 2026-02-25	Available
3170-0005 60-day FRN (published).pdf	Supplementary Document	Uploaded 2026-02-25	Available
12 CFR 1007.pdf	Supplementary Document	Uploaded 2022-05-24	Repair queued
12 USC 5101.pdf	Supplementary Document	Uploaded 2022-05-24	Available

IC Document Collections

IC ID	Collection	Type	Status	Form
217037	Reporting Requirements		Unchanged

ICR Details

OMB Control No: 3170-0005	ICR Reference No: 202602-3170-005
Status: Received in OIRA	Previous ICR Reference No: 202204-3170-003
Agency/Subagency: CFPB	Agency Tracking No:
Title: Registration of Mortgage Loan Originators (Regulation G)
Type of Information Collection: Extension without change of a currently approved collection	Common Form ICR:  No
Type of Review Request: Regular	Date Submitted to OIRA: 02/27/2026

	Requested	Previously Approved
Expiration Date	36 Months From Approved	04/30/2026
Responses	578,866	578,866
Time Burden (Hours)	249,628	249,628
Cost Burden (Dollars)	11,625,694	11,625,694

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Abstract: Regulation G implements the Secure and Fair Enforcement for Mortgage Licensing Act (the S.A.F.E. Act, 12 USC 5101 et sq.) , federal registration requirement with respect to any covered financial institutions, and their employees who act as residential mortgage loan originators (MLOs), to register with the Nationwide Mortgage Licensing System and Registry, obtain a unique identifier, maintain this registration, and disclose to consumers the unique identifier. The rule also requires the covered financial institutions employing these MLOs to adopt and follow written policies and procedures to ensure their employees comply with these requirements and to disclose the unique identifiers of their MLOs.

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Authorizing Statute(s): US Code: 12 USC 5101 Name of Law: Secure and Fair Enforcement for Mortgage Licensing
  

Citations for New Statutory Requirements: None

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Associated Rulemaking Information
RIN:	Stage of Rulemaking:	Federal Register Citation:	Date:
	Not associated with rulemaking

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Federal Register Notices & Comments
60-day Notice:	Federal Register Citation:	Citation Date:
	90 FR 57185	12/10/2025
30-day Notice:	Federal Register Citation:	Citation Date:
	91 FR 8843	02/24/2026
Did the Agency receive public comments on this ICR? Yes

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Number of Information Collection (IC) in this ICR: 1

IC Title	Form No.	Form Name
Reporting Requirements

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ICR Summary of Burden

	Total Request	Previously Approved	Change Due to New Statute	Change Due to Agency Discretion	Change Due to Adjustment in Estimate	Change Due to Potential Violation of the PRA
Annual Number of Responses	578,866	578,866	0	0	0	0
Annual Time Burden (Hours)	249,628	249,628	0	0	0	0
Annual Cost Burden (Dollars)	11,625,694	11,625,694	0	0	0	0

Burden increases because of Program Change due to Agency Discretion: No

Burden Increase Due to:

Burden decreases because of Program Change due to Agency Discretion: No

Burden Reduction Due to:

Short Statement:

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Annual Cost to Federal Government: $0

Does this IC contain surveys, censuses, or employ statistical methods? No

Does this ICR request any personally identifiable information (see OMB Circular No. A-130 for an explanation of this term)? Please consult with your agency's privacy program when making this determination.     No

Does this ICR include a form that requires a Privacy Act Statement (see 5 U.S.C. §552a(e)(3))? Please consult with your agency's privacy program when making this determination.     Yes

Is this ICR related to the Affordable Care Act [Pub. L. 111-148 & 111-152]? No

Is this ICR related to the Dodd-Frank Wall Street Reform and Consumer Protection Act, [Pub. L. 111-203]? Yes

Is this ICR related to the American Recovery and Reinvestment Act of 2009 (ARRA)? No

Is this ICR related to the Pandemic Response? No

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Common Form ICR:  No

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On behalf of this Federal agency, I certify that the collection of information encompassed by this request complies with 5 CFR 1320.9 and the related provisions of 5 CFR 1320.8(b)(3).

The following is a summary of the topics, regarding the proposed collection of information, that the certification covers:

(a) It is necessary for the proper performance of agency functions;

(b) It avoids unnecessary duplication;

(c) It reduces burden on small entities;

(d) It uses plain, coherent, and unambiguous language that is understandable to respondents;

(e) Its implementation will be consistent and compatible with current reporting and recordkeeping practices;

(f) It indicates the retention periods for recordkeeping requirements;

(g) It informs respondents of the information called for under 5 CFR 1320.8 (b)(3) about:

(i) Why the information is being collected;

(ii) Use of information;

(iii) Burden estimate;

(iv) Nature of response (voluntary, required for a benefit, or mandatory);

(v) Nature and extent of confidentiality; and

(vi) Need to display currently valid OMB control number;

(h) It was developed by an office that has planned and allocated resources for the efficient and effective management and use of the information to be collected.

(i) It uses effective and efficient statistical survey methodology (if applicable); and

(j) It makes appropriate use of information technology.

If you are unable to certify compliance with any of these provisions, identify the item by leaving the box unchecked and explain the reason in the Supporting Statement.

Certification Date: 02/27/2026

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