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Mortgage Overview

The North Carolina Office of the Commissioner of Banks (NCCOB) regulates the following:

Mortgage Loan Originators

Mortgage Lenders and Brokers

Mortgage Servicers

Reverse Mortgages

Mortgage Originator Support Registration

Certain entities, primarily banks and credit unions, that are already regulated under a different set of laws can file a claim of exemption from licensure.

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Temporary Authority to Operate is part of a new section added to the federal SAFE Act by the passage of the Economic Growth, Regulatory Relief and Consumer Protection Act (12 USC § 5117).  The new provision streamlines the license application process for federally registered mortgage loan originators (MLOs) seeking state licensure and state-licensed MLOs seeking licensure in another state.  It will allow qualified MLOs who are changing employment temporary authority to originate loans while completing certain state-specific requirements. Temporary Authority to Operate takes effect November 24, 2019. With this change, North Carolina will continue to offer transitional MLO licenses in limited circumstances.  For additional information on the MLO qualifications and other specifications of the provision, please visit the following link to the Nationwide Multistate Licensing System & Registry Resource Center: