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FDIC RIN: 3064-AD43 Publication ID: Fall 2010 
Title: Registration of Mortgage Loan Originators  
Abstract: The OCC, Board, FDIC, OTS, FCA, and NCUA (collectively, the Agencies) proposed amendments to their rules to implement the Secure and Fair Enforcement for Mortgage Licensing Act (the S.A.F.E. Act). The S.A.F.E. Act requires an employee of a bank, savings association, credit union or other depository institution and their subsidiaries regulated by a Federal banking agency or an employee of an institution regulated by the FCA (collectively, Agency-regulated institutions) who acts as a residential mortgage loan originator to register with the Nationwide Mortgage Licensing System and Registry (Registry), obtain a unique identifier, and maintain this registration. This proposal implements these requirements. It also provides that Agency-regulated institutions must require their employees who act as residential mortgage loan originators to comply with the S.A.F.E. Act’s requirements to register and obtain a unique identifier and must adopt and follow written policies and procedures designed to assure compliance with these requirements. 
Agency: Federal Deposit Insurance Corporation(FDIC)  Priority: Substantive, Nonsignificant 
RIN Status: Previously published in the Unified Agenda Agenda Stage of Rulemaking: Completed Actions 
Major: No  Unfunded Mandates: No 
CFR Citation: 12 CFR 365   
Legal Authority: 12 USC 1828(o)    12 USC 5105 et seq   
Legal Deadline:  None
Timetable:
Action Date FR Cite
NPRM  06/09/2009  74 FR 27386   
NPRM Comment Period End  07/09/2009    
Final Rule  07/28/2010  75 FR 44656   
Correction  08/23/2010  75 FR 51623   
Final Rule Effective  10/01/2010  75 FR 51623   
Additional Information: Email comments to: Comments@FDIC.gov--Include RIN 3064-AD43 on the subject line of the message.
Regulatory Flexibility Analysis Required: No  Government Levels Affected: None 
Small Entities Affected: No  Federalism: No 
Included in the Regulatory Plan: No 
RIN Information URL: www.fdic.gov/regulations/laws/federal/2009/09proposeAD43.pdf   Public Comment URL: www.fdic.gov/regulations/laws/federal/2009/09comAD43.html  
RIN Data Printed in the FR: No 
Related Agencies: Joint: TREAS/OCC, FRS, TREAS/OTS, FCA, NCUA; 
Agency Contact:
Thomas Lyons
Associate Director
Federal Deposit Insurance Corporation
Washington, DC 20429
Phone:202 898-6850
Email: tlyons@fdic.gov

Pawleski Victoria
Senior Policy Analyst
Federal Deposit Insurance Corporation
Washington, DC 20429
Phone:202 898-3571

John P. Kotsrias
Financial Analyst
Federal Deposit Insurance Corporation
Washington, DC 20429
Phone:202 898-6620

Richard Foley
Counsel
Federal Deposit Insurance Corporation
550 17th Street NW,
Washington, DC 20429
Phone:202 898-3784
Email: rfoley@fdic.gov

Kimberly A. Stock
Senior Attorney
Federal Deposit Insurance Corporation
550 17th Street NW,
Washington, DC 20429
Phone:202 898-3815
Email: kstock@fdic.gov