SAFE Act (S.A.F.E. Mortgage Licensing Act of 2008, 12 U.S.C.) § 5103 — License or registration required

Name: SAFE Act (S.A.F.E. Mortgage Licensing Act of 2008, 12 U.S.C.) § 5103 — License or registration required — machine-readable register
Creator: Claude for Compliance
License: https://creativecommons.org/licenses/by-nd/4.0/

safe-12usc-5103

SAFE Act (S.A.F.E. Mortgage Licensing Act of 2008, 12 U.S.C.), §5103 License or registration required. Full verbatim text from the Office of the Law Revision Counsel's United States Code (USLM XML, release point 119-111).

This register: .xlsx .csv

source:
  type: regulation
  id: safe-12usc-5103
  authority: SAFE Act (S.A.F.E. Mortgage Licensing Act of 2008, 12 U.S.C.) § 5103 — License or registration required
  description: SAFE Act (S.A.F.E. Mortgage Licensing Act of 2008, 12 U.S.C.), §5103 License or registration required. Full verbatim text from the Office of the Law Revision Counsel's United States Code (USLM XML, release point 119-111).
  source_url: https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title12-section5103&num=0&edition=prelim
obligations:
  - id: safe-12usc-5103-a
    canonical_id: safe-12usc-5103-a
    section: 12 U.S.C. §5103(a)
    description: 'License or registration required — (a): (a) In generalSubject to the existence of a licensing or registration regime, as the case may be, an individual may not engage in the business of a loan originator without first— (1) obtaining, and maintaining annually— (A) a registration as a registered loan originator; or (B) a license and registr'
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    tags:
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      - usc-statute
      - usc
      - safe-act
      - licensing
      - nmls
      - loan-originator
    primary_source:
      tier: 1
      authority: SAFE Act (S.A.F.E. Mortgage Licensing Act of 2008, 12 U.S.C.) § 5103 — License or registration required
      source_class: usc-statute-olrc
      source_url: https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title12-section5103&num=0&edition=prelim
      snapshot_id: a92706530cdb424b
      fetched_at: '2026-09-26T22:30:31Z'
      content_hash: sha256:b58c55d049fd376e17108b7d37a051e55650c82d8ab855dded9ebe075bc92218
      paragraph_quote: |-
        (a) In generalSubject to the existence of a licensing or registration regime, as the case may be, an individual may not engage in the business of a loan originator without first—
        (1) obtaining, and maintaining annually—
        (A) a registration as a registered loan originator; or
        (B) a license and registration as a State-licensed loan originator; and
        (2) obtaining a unique identifier.
      drafter_attestation: Verbatim 12 U.S.C. §5103(a) from the Office of the Law Revision Counsel's USLM XML (release point 119-111), snapshot a92706530cdb424b; substring-verified by scripts/ingest-usc-olrc-sections.py.
      verbatim_gate: raw
      publisher: uscode.house.gov
      verified_against: uscode.house.gov
  - id: safe-12usc-5103-b
    canonical_id: safe-12usc-5103-b
    section: 12 U.S.C. §5103(b)
    description: 'License or registration required — (b): (b) Loan processors and underwriters (1) Supervised loan processors and underwriters A loan processor or underwriter who does not represent to the public, through advertising or other means of communicating or providing information (including the use of business cards, stationery, brochures, signs, '
    type: do
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    tags:
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      - usc
      - safe-act
      - licensing
      - nmls
      - loan-originator
    primary_source:
      tier: 1
      authority: SAFE Act (S.A.F.E. Mortgage Licensing Act of 2008, 12 U.S.C.) § 5103 — License or registration required
      source_class: usc-statute-olrc
      source_url: https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title12-section5103&num=0&edition=prelim
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      paragraph_quote: |-
        (b) Loan processors and underwriters
        (1) Supervised loan processors and underwriters
        A loan processor or underwriter who does not represent to the public, through advertising or other means of communicating or providing information (including the use of business cards, stationery, brochures, signs, rate lists, or other promotional items), that such individual can or will perform any of the activities of a loan originator shall not be required to be a State-licensed loan originator.
        (2) Independent contractors
        An independent contractor may not engage in residential mortgage loan origination activities as a loan processor or underwriter unless such independent contractor is a State-licensed loan originator.
      drafter_attestation: Verbatim 12 U.S.C. §5103(b) from the Office of the Law Revision Counsel's USLM XML (release point 119-111), snapshot a92706530cdb424b; substring-verified by scripts/ingest-usc-olrc-sections.py.
      verbatim_gate: raw
      publisher: uscode.house.gov
      verified_against: uscode.house.gov
  - id: safe-12usc-5103-notes
    canonical_id: safe-12usc-5103-notes
    section: 12 U.S.C. §5103 note — source credit and editorial notes (not statute text)
    description: 'Editorial matter printed after the statute text: the source credit (enacting and amending public laws) and any editorial or statutory notes.'
    type: note
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    primary_source:
      tier: 1
      authority: SAFE Act (S.A.F.E. Mortgage Licensing Act of 2008, 12 U.S.C.) § 5103 (notes)
      source_class: usc-statute-olrc
      source_url: https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title12-section5103&num=0&edition=prelim
      snapshot_id: a92706530cdb424b
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      content_hash: sha256:b58c55d049fd376e17108b7d37a051e55650c82d8ab855dded9ebe075bc92218
      paragraph_quote: (Pub. L. 110–289, div. A, title V, § 1504, July 30, 2008, 122 Stat. 2814.)
      drafter_attestation: Verbatim 12 U.S.C. §5103 source credit and notes from the Office of the Law Revision Counsel's USLM XML (release point 119-111), snapshot a92706530cdb424b; substring-verified by scripts/ingest-usc-olrc-sections.py.
      verbatim_gate: raw
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Verbatim regulatory text (3)

Verbatim provisions from SAFE Act (S.A.F.E. Mortgage Licensing Act of 2008, 12 U.S.C.) § 5103 — License or registration required — each quote is a verified substring of the regulator-published source snapshot, not retyped. Quoted for reference; this is not legal advice. The operational layer (P&P updates, prompts) lives in the regulation update kits.

12 U.S.C. §5103(a)

(a) In generalSubject to the existence of a licensing or registration regime, as the case may be, an individual may not engage in the business of a loan originator without first— (1) obtaining, and maintaining annually— (A) a registration as a registered loan originator; or (B) a license and registration as a State-licensed loan originator; and (2) obtaining a unique identifier.

Source: SAFE Act (S.A.F.E. Mortgage Licensing Act of 2008, 12 U.S.C.) § 5103 — License or registration required · source URL · snapshot a92706530cdb424b

12 U.S.C. §5103(b)

(b) Loan processors and underwriters (1) Supervised loan processors and underwriters A loan processor or underwriter who does not represent to the public, through advertising or other means of communicating or providing information (including the use of business cards, stationery, brochures, signs, rate lists, or other promotional items), that such individual can or will perform any of the activities of a loan originator shall not be required to be a State-licensed loan originator. (2) Independent contractors An independent contractor may not engage in residential mortgage loan origination activities as a loan processor or underwriter unless such independent contractor is a State-licensed loan originator.

Source: SAFE Act (S.A.F.E. Mortgage Licensing Act of 2008, 12 U.S.C.) § 5103 — License or registration required · source URL · snapshot a92706530cdb424b

12 U.S.C. §5103 note — source credit and editorial notes (not statute text)

(Pub. L. 110–289, div. A, title V, § 1504, July 30, 2008, 122 Stat. 2814.)

Source: SAFE Act (S.A.F.E. Mortgage Licensing Act of 2008, 12 U.S.C.) § 5103 (notes) · source URL · snapshot a92706530cdb424b

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Source of record: https://claudeforcompliance.com/regs/safe-12usc-5103/ · register safe-12usc-5103 · verbatim, source-snapshotted regulator text from the Claude for Compliance corpus. To work from every register at once, download the corpus and follow the methodology.