The SAFE Act is designed to help protect you from fraud.
This federal regulation requires that all Mortgage Loan Originators (MLO) working for banks and certain other lenders nationwide:
- Register with the Nationwide Mortgage Licensing System (NMLS)
- Provide fingerprints and undergo an FBI background check
- Obtain a unique NMLS Identification Number assigned by the NMLS registry
- Update the registry and notify their HR department within 30 days of a change to their registration information
- Maintain and renew the registration annually (between November 1–December 31)
What is a Mortgage Loan Originator?
The Mortgage Loan Originator definition covers all bank and lender employees who take applications and offer or negotiate terms of first and subordinate lien mortgages, HELOCs, refinancing or reverse mortgages. Mortgage Loan Officers must provide NMLS numbers:
- Upon request
- Before acting as a Mortgage Loan Originator
- To consumers, through the initial written communication, whether on paper or electronically
Learn more about your Mortgage Loan Originator.
You can confirm that the Mortgage Loan Originator you are working with has a current Registration by visiting
All of our M&T Loan Originators are required to have a current NMLS ID number. We have provided a list for your convenience, with the date of their Registration expiration.
View List of M&T Loan Originators (PDF) >