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What role did the Conference of State Bank Supervisors (CSBS) and the American Association of Residential Mortgage Regulators (AARMR) play in MLO licensing?
CSBS and AARMR created the Nationwide Mortgage Licensing System and Registry and drafted the Model State Law that states used to implement the SAFE Act's licensing requirements (12 U.S.C. 5101; CSBS/AARMR Model State Law). Federal rules are written by the CFPB, licenses are issued by each state, and Prometric delivers the test. Source: 12 U.S.C. 5101; CSBS/AARMR Model State Law for Uniform Licensing of Mortgage Loan Originators (as at 11 Oct 2026).
Crediting CSBS and AARMR with federal rule-writing or licensing.
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