Next Steps Activity - NMLS Resource Center



How to Use This DocumentTake notes on the course and discuss your agency’s specific licensing policies with your supervisor.Since the information provided in the Mortgage Licensing School is designed to teach you about general best practices in mortgage licensing and does not account for your agency’s specific practices, you must discuss with your supervisor to determine how your agency applies the concepts discussed in each course.In order to help guide your discussion with your supervisor and provide a place for you to record what you have learned from the course, this Next Steps Activity also provides a place for you to take general notes on the best practices described in each course.InstructionsUse the Table of Contents to navigate to the section of the document associated with the course you are currently taking.As you are taking the course, record any general notes you may have in the “General Notes (Optional)” section.Throughout the course, there will be Next Steps that correspond to a section of this document that you must complete.Record your notes on the best practices described for each Next Steps topic and use these when discussing the Next Step with your supervisor.Record your notes from your discussion with your supervisor. Be sure to provide accurate, well-researched responses.Save a copy of the document to your computer. When you have completed all courses in the learning plan and completed the Next Steps activity, submit it, go to the final “Next Steps” course in the Learning Plan in the Learning Management System and submit your activity.NOTE: Use the icons in the Learning Plan Legend below to determine the sections of the document that need to be completed for the Learning Plan in which you are enrolled.Additional InformationFor information on how to complete and submit the Next Steps Activity, refer to the Next Steps Quick Guide.Questions? Send an email to LMSadmin@.TABLE OF CONTENTS TOC \o "1-1" \n \h \z \u How to Use This DocumentHistory of LicensingNMLS, Licensing, and the State AgencyNMLS Account Management and System Navigation for Organization UsersNMLS Resource Center and SupportSAFE Act RequirementsWork List Management & AssignmentMLO License Applications – Industry PerspectiveRecord Access, Relationships, and SponsorshipLicense Item ManagementLicense StatusesReviewing MLO License ApplicationsReviewing a Criminal Background CheckReviewing a Credit ReportReviewing Individual AmendmentsTesting and Education InvestigationsAdverse and Final License StatusesUsing NMLS ReportsNMLS Consumer AccessLicense SurrenderNMLS Account Management and System Navigation for Account AdministratorsCompany License Applications – Industry PerspectiveReviewing Company License ApplicationsCompliance Management Oversight ResponsibilitiesBusiness PlansAuditsDedicated ResourcesRisk Management ProgramsCompliance Management SystemsBusiness Continuity and Disaster RecoveryBranch License Applications – Industry PerspectiveReviewing Branch License ApplicationsReviewing Company/Branch AmendmentsAdvance Change NoticeRegulatory ActionsAgency Fee InvoicingCompany/Branch Renewal ProcessReviewing Company/Branch Renewal RequestsMLO Renewal ProcessReviewing MLO Renewal RequestsCompleting the Mortgage Call Report – Industry PerspectiveReviewing the MCR – Standard RMLAReviewing the MCR and Financial Statement – Standard Financial Condition and Financial StatementReviewing the MCR – Expanded RMLAReviewing the MCR and Financial Statement – Expanded Financial Condition and Financial Statement229362032448500261874032385000356108032385000391604532448500422402032448500294703532321500326927232385000History of LicensingPart Two: Pre-SAFE Act LicensingAsk your supervisor if your agency was engaged in mortgage licensing prior to NMLS, and to what degree.[Enter your notes on best practices from the course here, if applicable.][REQUIRED: Enter your notes from your discussion with your supervisor here.]General Notes (Optional)[Enter your general notes from the course here.]HYPERLINK \l "TOC"Return to Table of Contents355790530924500326580530924500261556530924500229044530988000391287030988000422084530988000294415230797500NMLS, Licensing, and the State AgencyPart Four: System Prioritization and Development ProcessSpeak to your supervisor about which conference calls and working groups you should be involved in and why. Some examples include: SRR Lawyers Committee, Mortgage Call Report Working Group, Regulator Development Working Group (RDWG), Data Download Working Group.[Enter your notes on best practices from the course here, if applicable.][REQUIRED: Enter your notes from your discussion with your supervisor here.]General Notes (Optional)[Enter your general notes from the course here.]HYPERLINK \l "TOC" Return to Table of Contents274955029083000402653529273500371856029273500242125529210000307149529210000336359529210000NMLS Account Management and System Navigation for Organization UsersPart One: IntroductionSpeak to your supervisor to determine who your Account Administrators are.[Enter your notes on best practices from the course here, if applicable.][REQUIRED: Enter your notes from your discussion with your supervisor here.]Speak to your supervisor about the roles you will be or have been assigned. For those roles you do not have, speak with your supervisor to understand who has additional roles and what functions they support in NMLS (i.e., Once I complete a review do I hand off to someone else to review, change the status, etc.). Also ask which notifications you may have been assigned to receive, and which Review Items you may be assigned.[Enter your notes on best practices from the course here, if applicable.][REQUIRED: Enter your notes from your discussion with your supervisor here.]General Notes (Optional)[Enter your general notes from the course here.]Return to Table of Contents296227525908000423926026098500393128526098500230886026098500263398026035000328422026035000357666326035000NMLS Resource Center and SupportPart One: Regulator Resource CenterSpeak to your supervisor to ensure you have access to the Regulator Resource Center. Ask which areas of the Resource Center your agency commonly uses. If you do not have access to the Resource Center, find out why.[Enter your notes on best practices from the course here, if applicable.][REQUIRED: Enter your notes from your discussion with your supervisor here.]General Notes (Optional)[Enter your general notes from the course here.]Return to Table of Contents357441527813000423735527876500392938027876500230695527876500263207527813000328231527813000296066227686000SAFE Act RequirementsPart Two: EducationSpeak to your supervisor about your agency's state-specific PE requirements.[Enter your notes on best practices from the course here, if applicable.][REQUIRED: Enter your notes from your discussion with your supervisor here.]Speak to your supervisor about your agency's state-specific CE requirements.[Enter your notes on best practices from the course here, if applicable.][REQUIRED: Enter your notes from your discussion with your supervisor here.]Part Three: TestingSpeak to you supervisor to determine if your agency has adopted the Uniform State Test (UST). If not, why?[Enter your notes on best practices from the course here, if applicable.][REQUIRED: Enter your notes from your discussion with your supervisor here.]Part Five: Criminal Background CheckSpeak to your supervisor about your agency's criminal standards to determine if there are additional requirements or if requirements are more stringent than the SAFE Act standards.[Enter your notes on best practices from the course here, if applicable.][REQUIRED: Enter your notes from your discussion with your supervisor here.]Speak to your supervisor to determine if your agency requires state-specific background check in addition to a federal CBC. If you do require a state-specific background check, why?[Enter your notes on best practices from the course here, if applicable.][REQUIRED: Enter your notes from your discussion with your supervisor here.]Part Six: Financial Responsibility & FitnessSpeak to your supervisor to determine how your agency determines financial fitness. What are the credit report review standards used if any? [Enter your notes on best practices from the course here, if applicable.][REQUIRED: Enter your notes from your discussion with your supervisor here.]Part Seven: Mortgage Call ReportSpeak to your supervisor to determine which of your agency’s license types are NOT required to complete the Mortgage Call Report. If there are any, ask why they are exempt.[Enter your notes on best practices from the course here, if applicable.][REQUIRED: Enter your notes from your discussion with your supervisor here.]General Notes (Optional)[Enter your general notes from the course here.]Return to Table of Contents342836529781500277812529781500245300529845000407543029845000372046529781500310671229654500Work List Management & AssignmentPart Two: Agency Work List & Assignment vs My Work List vs Review Item AssignmentHave a discussion with your supervisor on how your agency uses the work lists. Specifically:Does your agency use the wok list assignment feature in NMLS?Are you expected to assign work to yourself or other members of the agency?Which work list are you expected to work off of on a regular basis?When work is complete, what is typically done (i.e., mark item as complete, archive, do not archive?)[Enter your notes on best practices from the course here, if applicable.][REQUIRED: Enter your notes from your discussion with your supervisor here.]General Notes (Optional)[Enter your general notes from the course here.]Return to Table of Contents342900027178000378396527241500313436027178000280953227241500MLO License Applications – Industry PerspectiveGeneral Notes (Optional)[Enter your general notes from the course here.]Return to Table of Contents340423530797500310959530797500278447530861000375949230861000Record Access, Relationships, and SponsorshipPart Two: Required InformationSpeak to your supervisor to determine your agency's sponsorship requirement for individual licensees.[Enter your notes on best practices from the course here, if applicable.][REQUIRED: Enter your notes from your discussion with your supervisor here.]Part Five: Regulator PerspectiveSpeak to your supervisor to determine if your agency allows multiple sponsorships per license. Why or why not?[Enter your notes on best practices from the course here, if applicable.][REQUIRED: Enter your notes from your discussion with your supervisor here.]Speak to your supervisor about your agency's process when reviewing and making a decision on a sponsorship request.[Enter your notes on best practices from the course here, if applicable.][REQUIRED: Enter your notes from your discussion with your supervisor here.]Speak to your supervisor about whether your agency allows for the use of the "Approved - Inactive" status for individual applicants without an active sponsor. If not, why?[Enter your notes on best practices from the course here, if applicable.][REQUIRED: Enter your notes from your discussion with your supervisor here.]General Notes (Optional)[Enter your general notes from the course here.]Return to Table of Contents309054528448000405955528638500243713028638500276225028575000341249028575000370459028604200License Item ManagementPart Two: System-set vs. Regulator-set License ItemsSpeak to your supervisor about the licensing deficiencies that may result in the creation of license items.[Enter your notes on best practices from the course here, if applicable.][REQUIRED: Enter your notes from your discussion with your supervisor here.]Part Three: Adding License ItemsSpeak to your supervisor to determine if your agency enters notes and uses the Regulator Log to track review process. If not, why?[Enter your notes on best practices from the course here, if applicable.][REQUIRED: Enter your notes from your discussion with your supervisor here.]Speak to your supervisor about whether your agency has standard license item language, and whether it includes contact information for the licensee should they have questions. If not, what is the expectation for language used?[Enter your notes on best practices from the course here, if applicable.][REQUIRED: Enter your notes from your discussion with your supervisor here.]Speak to your supervisor about how your agency manages MU2/MU4 credit and CBC communication and what are your agencies best practices for communication of Credit Report and CBC issues outside of the system.[Enter your notes on best practices from the course here, if applicable.][REQUIRED: Enter your notes from your discussion with your supervisor here.]Speak to your supervisor about your agency’s requirements for the handling of confidential information received from the applicant.[Enter your notes on best practices from the course here, if applicable.][REQUIRED: Enter your notes from your discussion with your supervisor here.]Speak to your supervisor about your agency's usage of the "Due Date" field when adding license items to track in the Reminder List. If your agency does use due dates, how do you determine the timeframe required for response? For example, do you use a different due date depending on the severity of the license item? If you don’t use due dates, why not?[Enter your notes on best practices from the course here, if applicable.][REQUIRED: Enter your notes from your discussion with your supervisor here.]Part Four: Potential Impacts of Adding a License ItemSpeak to your supervisor about your agency's work process for adding license items.[Enter your notes on best practices from the course here, if applicable.][REQUIRED: Enter your notes from your discussion with your supervisor here.]Part Five: Managing and Clearing License ItemsSpeak to your supervisor about your agency's method to follow-up and clear license items.[Enter your notes on best practices from the course here, if applicable.][REQUIRED: Enter your notes from your discussion with your supervisor here.]General Notes (Optional)[Enter your general notes from the course here.]Return to Table of Contents372872027940000343662027940000278638027940000246126028003500408368528003500311496727813000License StatusesPart Three: Updating License StatusesSpeak to your supervisor about when your agency updates license status:As part of the application review processAd hocUsing the Bulk License Status Update functionality[Enter your notes on best practices from the course here, if applicable.][REQUIRED: Enter your notes from your discussion with your supervisor here.]Part Four: Internal & External Notes, DatesSpeak to your supervisor about your agency's usage of Internal and External Notes when updating license statuses.[Enter your notes on best practices from the course here, if applicable.][REQUIRED: Enter your notes from your discussion with your supervisor here.]Ask your Supervisor when you should make an external note “private.”[Enter your notes on best practices from the course here, if applicable.][REQUIRED: Enter your notes from your discussion with your supervisor here.]Speak to your supervisor to identify whether your agency has any licenses that are currently transitioning to NMLS and how that process works.[Enter your notes on best practices from the course here, if applicable.][REQUIRED: Enter your notes from your discussion with your supervisor here.]Part Five: Adverse StatusesSpeak to your supervisor to determine your agency's process when dealing with revocations.[Enter your notes on best practices from the course here, if applicable.][REQUIRED: Enter your notes from your discussion with your supervisor here.]Part Nine: ConclusionSpeak to your supervisor to determine which license statuses your agency uses and when certain statuses are used (refer to the License Status Definitions document).[Enter your notes on best practices from the course here, if applicable.][REQUIRED: Enter your notes from your discussion with your supervisor here.]General Notes (Optional)[Enter your general notes from the course here.]Return to Table of Contents345884529591000316420529591000283908529654500381415329654500Reviewing MLO License ApplicationsPart Two: MLO Application Review ProcessAsk your supervisor to give you a high-level overview of your agency’s work process for reviewing a new application in NMLS.[Enter your notes on best practices from the course here, if applicable.][REQUIRED: Enter your notes from your discussion with your supervisor here.]Part Three: Submission of the Individual Form (MU4) Discuss with your Supervisor to determine if any parts of the Individual Form are not required by your agency.[Enter your notes on best practices from the course here, if applicable.][REQUIRED: Enter your notes from your discussion with your supervisor here.]Discuss Sponsorship Status and how they are used with your supervisor.[Enter your notes on best practices from the course here, if applicable.][REQUIRED: Enter your notes from your discussion with your supervisor here.]If a regulatory action is attached to the applicant’s record, how do I manage this during the review process?[Enter your notes on best practices from the course here, if applicable.][REQUIRED: Enter your notes from your discussion with your supervisor here.]Speak with your supervisor about the “View Federal Information” user role and if this is something you need to have. Keep in mind that users assigned this role are subject to NMLS Two-Factor Authentication.[Enter your notes on best practices from the course here, if applicable.][REQUIRED: Enter your notes from your discussion with your supervisor here.]Discuss your agency’s policies for incorrect license type applications with your Supervisor.[Enter your notes on best practices from the course here, if applicable.][REQUIRED: Enter your notes from your discussion with your supervisor here.]Ask your Supervisor how applications from non-US Citizens are processed. Is it different than for US Citizens? If so, how?[Enter your notes on best practices from the course here, if applicable.][REQUIRED: Enter your notes from your discussion with your supervisor here.]Speak to your Supervisor to determine how your agency handles the employment history section, simultaneous employers and the address listed in employment history. [Enter your notes on best practices from the course here, if applicable.][REQUIRED: Enter your notes from your discussion with your supervisor here.]Speak to your supervisor to determine your agency’s work location requirement.[Enter your notes on best practices from the course here, if applicable.][REQUIRED: Enter your notes from your discussion with your supervisor here.]Discuss with your Supervisor how your agency deals with separate businesses that may overlap.[Enter your notes on best practices from the course here, if applicable.][REQUIRED: Enter your notes from your discussion with your supervisor here.]Ask your Supervisor about the unique situations that may present themselves in the Disclosures and what documents your agency would normally expect to see. For example, how does your agency handle disclosures about guilty pleas that occurred in a military court? Or, familiarize yourself by asking other regulators who deal with these issues.[Enter your notes on best practices from the course here, if applicable.][REQUIRED: Enter your notes from your discussion with your supervisor here.]Speak to your supervisor to learn if your agency requires or allows individual document upload. If so, what document types and what specifically should be uploaded. If not, understand why your agency doesn’t require or allow individual document uploads.[Enter your notes on best practices from the course here, if applicable.][REQUIRED: Enter your notes from your discussion with your supervisor here.]Speak to your supervisor and determine which disclosure answers may require additional investigation or may prevent approval in your state.[Enter your notes on best practices from the course here, if applicable.][REQUIRED: Enter your notes from your discussion with your supervisor here.]Ask your supervisor if you are expected to review credit reports. If so, see the Reviewing a Credit Report course in the Resources. If not, gather an understanding the proper credit report escalation chain within your agency.[Enter your notes on best practices from the course here, if applicable.][REQUIRED: Enter your notes from your discussion with your supervisor here.]Ask your supervisor if you are expected to review CBC results. If so, see the Reviewing a Criminal Background Check course in the Resources. If not, gather an understanding the proper CBC escalation chain within your agency.[Enter your notes on best practices from the course here, if applicable.][REQUIRED: Enter your notes from your discussion with your supervisor here.]Part Six: License Application DecisionAsk your supervisor about the denial and revocation procedures, as well as the expected deadlines for turnaround review times, for your agency. [Enter your notes on best practices from the course here, if applicable.][REQUIRED: Enter your notes from your discussion with your supervisor here.]General Notes (Optional)[Enter your general notes from the course here.]Return to Table of Contents372872029654500275399529654500307911529591000337404729591000Reviewing a Criminal Background CheckPart One: CBC OverviewAsk your supervisor and legal counsel about how your agency deals guilty pleas that are later vacated in favor of lesser charges.[Enter your notes on best practices from the course here, if applicable.][REQUIRED: Enter your notes from your discussion with your supervisor here.]Part Three: CBC Reports and System Email NotificationsIf you will be responsible for reviewing CBC results, verify with your Account Administrator that you are assigned to receive the RAP Received for a Previously Cleared Individual email notification. What should you do when you receive it?[Enter your notes on best practices from the course here, if applicable.][REQUIRED: Enter your notes from your discussion with your supervisor here.]Part Six: Handling CHRIAsk your Supervisor if there are any restrictions to accessing a CBC wirelessly.[Enter your notes on best practices from the course here, if applicable.][REQUIRED: Enter your notes from your discussion with your supervisor here.]Return to Table of Contents370395528511500341185528511500276161528511500243649528575000405892028575000309020228384500Reviewing a Credit ReportPart Three: Credit Report RequirementsReview your state licensing checklist to determine what you require from licensees related to credit. [Enter your notes on best practices from the course here, if applicable.][REQUIRED: Enter your notes from your discussion with your supervisor here.]Part Six: Reviewing and Discussing Credit Report ContentIf credit issues are identified, what documentation is required from the licensee? How do you communicate those requirements to the licensee? For example, do you include "private notes" in the license item external note field?[Enter your notes on best practices from the course here, if applicable.][REQUIRED: Enter your notes from your discussion with your supervisor here.]Discuss with your supervisor what payment plans and documentation is acceptable for past due accounts, if any?[Enter your notes on best practices from the course here, if applicable.][REQUIRED: Enter your notes from your discussion with your supervisor here.]Ask your supervisor what your agency’s policies are with regard to foreclosures.[Enter your notes on best practices from the course here, if applicable.][REQUIRED: Enter your notes from your discussion with your supervisor here.]Speak to your supervisor about your agency's policies on outstanding student loans and child support violations.[Enter your notes on best practices from the course here, if applicable.][REQUIRED: Enter your notes from your discussion with your supervisor here.]General Notes (Optional)[Enter your general notes from the course here.]Return to Table of Contents340423528384500310959528384500278447528448000375949228448000Reviewing Individual AmendmentsPart One: Amendments OverviewSpeak to your supervisor about whether your agency charges for Individual amendments and what, if anything, is required outside of NMLS for Individual amendments.[Enter your notes on best practices from the course here, if applicable.][REQUIRED: Enter your notes from your discussion with your supervisor here.]Speak to your supervisor about your agency’s process for handling MLO employment changes, especially the handling of sponsorship removals.[Enter your notes on best practices from the course here, if applicable.][REQUIRED: Enter your notes from your discussion with your supervisor here.]Discuss with your supervisor what document upload items are applicable in your state and what the requirements are for the following Individual Document Upload Types: Credit Report Explanations, Legal Name/Status Documentation, Memorandum of Tax Certification, Verification of Experience, Personal Financial Statement and State Background Check Authorization.[Enter your notes on best practices from the course here, if applicable.][REQUIRED: Enter your notes from your discussion with your supervisor here.]Speak to your supervisor about what are the most common mistakes when filing an Individual (MU2/MU4) amendment.[Enter your notes on best practices from the course here, if applicable.][REQUIRED: Enter your notes from your discussion with your supervisor here.]Part Two: Amendments in the Work ListSpeak to your supervisor about how your agency manages MLO amendments in the work list.[Enter your notes on best practices from the course here, if applicable.][REQUIRED: Enter your notes from your discussion with your supervisor here.]General Notes (Optional)[Enter your general notes from the course here.]Return to Table of Contents274764529083000371284528448000307276528384500336740528413700Testing and Education InvestigationsPart One: IntroductionAsk your supervisor to give you a high-level overview of your agency’s work process with regard to Testing and Education Investigations. [Enter your notes on best practices from the course here, if applicable.][REQUIRED: Enter your notes from your discussion with your supervisor here.]Part Six: Test InvalidationSpeak with your supervisor to determine the effects of a test invalidation on a licensee.[Enter your notes on best practices from the course here, if applicable.][REQUIRED: Enter your notes from your discussion with your supervisor here.]Speak with your supervisor about how your agency handles invalidated test results for both current licensees and applicants.[Enter your notes on best practices from the course here, if applicable.][REQUIRED: Enter your notes from your discussion with your supervisor here.]Speak with your supervisor about how your agency handles applicants or licensees with T&E Investigations.[Enter your notes on best practices from the course here, if applicable.][REQUIRED: Enter your notes from your discussion with your supervisor here.]General Notes (Optional)[Enter your general notes from the course here.]Return to Table of Contents357314528448000328104528448000263080528448000230568528511500392811028511500423608528511500295910028350200Adverse and Final License StatusesPart Two: Managing Surrender RequestsSpeak to your supervisor to learn about how surrender requests affect corresponding branch licenses and MLO sponsorships and license statuses.[Enter your notes on best practices from the course here, if applicable.][REQUIRED: Enter your notes from your discussion with your supervisor here.]Part Three: Managing Withdrawal/Cancelation RequestsSpeak with your supervisor to discuss agency-specific processes for these statuses (include a list).[Enter your notes on best practices from the course here, if applicable.][REQUIRED: Enter your notes from your discussion with your supervisor here.]Part Four: License Surrender/Withdrawal at Regulator RequestSpeak to your supervisor to learn the proper usage of the “Terminated-Ordered to Surrender” and “Withdrawn-Application Abandoned” statuses.[Enter your notes on best practices from the course here, if applicable.][REQUIRED: Enter your notes from your discussion with your supervisor here.]Part Six: Denied and RevokedSpeak to your supervisor to learn the proper usage of the “Denied” and “Revoked” statuses.[Enter your notes on best practices from the course here, if applicable.][REQUIRED: Enter your notes from your discussion with your supervisor here.]Part Seven: Renewal Related StatusesSpeak to your supervisor to learn about your agency’s renewal and reinstatement deadlines.[Enter your notes on best practices from the course here, if applicable.][REQUIRED: Enter your notes from your discussion with your supervisor here.]General Notes (Optional)[Enter your general notes from the course here.]Return to Table of Contents408559029845000374650029146500345440029146500280416029146500247904029210000313274729019500Using NMLS ReportsPart One: Regulator Reports OverviewSpeak with your supervisor to find out which report(s) your agency commonly runs, and for what purpose.[Enter your notes on best practices from the course here, if applicable.][REQUIRED: Enter your notes from your discussion with your supervisor here.]General Notes (Optional)[Enter your general notes from the course here.]Return to Table of Contents294259027749500421957527940000391160027940000228917527940000261429527876500326453527876500355663527905700NMLS Consumer AccessGeneral Notes (Optional)[Enter your general notes from the course here.]Return to Table of Contents315404528448000250063028638500282575028575000347599028575000376809028575000409477228638500License SurrenderSpeak with your supervisor about reasons why your agency may not accept a surrender request.[Enter your notes on best practices from the course here, if applicable.][REQUIRED: Enter your notes from your discussion with your supervisor here.]Speak with your supervisor to discuss your agency-specific requirements regarding surrender requests.[Enter your notes on best practices from the course here, if applicable.][REQUIRED: Enter your notes from your discussion with your supervisor here.]General Notes (Optional)[Enter your general notes from the course here.]Return to Table of Contents325149249593500NMLS Account Management and System Navigation for Account AdministratorsPart One: IntroductionAs an administrator it is important to be aware of the areas of NMLS your Organization Users have access to, especially who is able to access confidential information such as credit and criminal background check results. Using the Admin tab, complete an inventory of the OUs who have access to the System to ensure access is still necessary.[Enter your notes on best practices from the course here, if applicable.][REQUIRED: Enter your notes from your discussion with your supervisor here.]What type of two factor authentication credential does your agency use? Keeping your job responsibilities in mind, which credential option is going to be best for you?[Enter your notes on best practices from the course here, if applicable.][REQUIRED: Enter your notes from your discussion with your supervisor here.]Part Nine: Managing Work & Review ItemsMeet with your supervisor to gain an understanding of how work is assigned in your agency.[Enter your notes on best practices from the course here, if applicable.][REQUIRED: Enter your notes from your discussion with your supervisor here.]Speak with your agency's other Account Admin(s) to discuss your agency's work list subscriptions.[Enter your notes on best practices from the course here, if applicable.][REQUIRED: Enter your notes from your discussion with your supervisor here.]Part Eleven: Review Item SubscriptionGather an understanding of your agency's Advance Change Notice requirements. For example, do we require advance notice for a main address change for our Mortgage Broker license type? If so, how much notice is required?[Enter your notes on best practices from the course here, if applicable.][REQUIRED: Enter your notes from your discussion with your supervisor here.]Part Twelve: Notification SubscriptionIdentify the notifications your agency is subscribed to and if specific users are assigned to receive them.[Enter your notes on best practices from the course here, if applicable.][REQUIRED: Enter your notes from your discussion with your supervisor here.]General Notes (Optional)[Enter your general notes from the course here.]Return to Table of Contents378396528003500315341027940000282829028003500348199727813000Company License Applications – Industry PerspectiveGeneral Notes (Optional)[Enter your general notes from the course here.]Return to Table of Contents316357029781500283845029845000379412529845000349215729654500Reviewing Company License ApplicationsPart Two: Reviewing the MU1Speak with your supervisor about your agency's review process and expectations related to business activities and business plans.[Enter your notes on best practices from the course here, if applicable.][REQUIRED: Enter your notes from your discussion with your supervisor here.]Speak with your supervisor about what your agency considers (e.g. number of licenses, pending licenses, adverse statuses) when reviewing the License/Registration Information.[Enter your notes on best practices from the course here, if applicable.][REQUIRED: Enter your notes from your discussion with your supervisor here.]Identify any home state licensure requirements for your agency.[Enter your notes on best practices from the course here, if applicable.][REQUIRED: Enter your notes from your discussion with your supervisor here.]Speak with your supervisor about agency requirements that may lead to a forced trade name.[Enter your notes on best practices from the course here, if applicable.][REQUIRED: Enter your notes from your discussion with your supervisor here.]Speak with your supervisor to determine if your agency limits the number of trade names or requires separate licensure for each trade name.[Enter your notes on best practices from the course here, if applicable.][REQUIRED: Enter your notes from your discussion with your supervisor here.]Speak with your supervisors to determine if your agency requires a Resident/Registered Agent, and if not what is expected of the licensee to submit when completing this section of the form. Identify any documentation required to be uploaded in support of this information.[Enter your notes on best practices from the course here, if applicable.][REQUIRED: Enter your notes from your discussion with your supervisor here.]Speak with your supervisor regarding any agency-specific requirements for company web addresses and reviewing these submissions.[Enter your notes on best practices from the course here, if applicable.][REQUIRED: Enter your notes from your discussion with your supervisor here.]Speak with your supervisor regarding any restrictions your agency places on company contacts.[Enter your notes on best practices from the course here, if applicable.][REQUIRED: Enter your notes from your discussion with your supervisor here.]Speak with your supervisor about any agency-specific requirements for books and records storage.[Enter your notes on best practices from the course here, if applicable.][REQUIRED: Enter your notes from your discussion with your supervisor here.]Speak with your supervisor to discuss the verification process for approval and designations, and if a "yes" answer to a shared space/non-financial business will affect license approval.[Enter your notes on best practices from the course here, if applicable.][REQUIRED: Enter your notes from your discussion with your supervisor here.]Speak with your supervisor to determine agency-specific requirements for the Bank Accounts section of the Company Form.[Enter your notes on best practices from the course here, if applicable.][REQUIRED: Enter your notes from your discussion with your supervisor here.]Speak with your supervisor to discuss agency-specific requirements related to legal status, and if your agency requires a stock symbol for publicly traded entities.[Enter your notes on best practices from the course here, if applicable.][REQUIRED: Enter your notes from your discussion with your supervisor here.]Speak with your supervisor regarding requirements for Affiliates/Subsidiaries, including any documentation required, as well as considerations when the controlling entity is a financial institution.[Enter your notes on best practices from the course here, if applicable.][REQUIRED: Enter your notes from your discussion with your supervisor here.]Speak with your supervisor about agency-specific policies or guidelines related to disclosure questions and explanations.[Enter your notes on best practices from the course here, if applicable.][REQUIRED: Enter your notes from your discussion with your supervisor here.]Part Three: Components of the MU1 Associated with the MU2Speak with your supervisor about agency requirements for Direct Owners/Executive Officers, including any CBC, Credit Report, or documentation requirements.[Enter your notes on best practices from the course here, if applicable.][REQUIRED: Enter your notes from your discussion with your supervisor here.]Speak with your supervisor to understand any agency-specific requirements for individuals and entities listed within the Indirect Owner section, including CBC, Credit Report, or documentation requirements.[Enter your notes on best practices from the course here, if applicable.][REQUIRED: Enter your notes from your discussion with your supervisor here.]Speak with your supervisor about agency requirements for Qualifying Individuals including any CBC, Credit Report, or documentation requirements.[Enter your notes on best practices from the course here, if applicable.][REQUIRED: Enter your notes from your discussion with your supervisor here.]Part Four: Document UploadsSpeak with your supervisor to identify the documentation required in association with a company license application, including which documents the agency requires within or outside of NMLS.[Enter your notes on best practices from the course here, if applicable.][REQUIRED: Enter your notes from your discussion with your supervisor here.]Speak with your supervisor to determine what documents your agency allows to be uploaded through the Individual Document Upload functionality.[Enter your notes on best practices from the course here, if applicable.][REQUIRED: Enter your notes from your discussion with your supervisor here.]Part Five: Surety BondsSpeak to your supervisor to confirm if your agency will be impacted by electronic surety bond tracking. If it will be, identify which licenses require one bond that provides coverage for both the MU1 and the MU3 locations, and determine how this will affect your review process.[Enter your notes on best practices from the course here, if applicable.][REQUIRED: Enter your notes from your discussion with your supervisor here.]Talk to your supervisor to find out what type of bond your agency requires and details about it such as it’s amount range, filing requirements, and the tail length of the bond.[Enter your notes on best practices from the course here, if applicable.][REQUIRED: Enter your notes from your discussion with your supervisor here.]General Notes (Optional)[Enter your general notes from the course here.]Return to Table of Contents277939528638500311086528575000344551028448000377028728702000Compliance Management Oversight ResponsibilitiesSpeak to your supervisor about your agency’s policies on Company Management Oversight Responsibilities with regard to licensing.[Enter your notes on best practices from the course here, if applicable.][REQUIRED: Enter your notes from your discussion with your supervisor here.]General Notes (Optional)[Enter your general notes from the course here.]Return to Table of Contents312801027940000279654028003500378714028067000346294727813000Business PlansSpeak to your supervisor about your agency’s policies on Business Plans with regard to licensing.[Enter your notes on best practices from the course here, if applicable.][REQUIRED: Enter your notes from your discussion with your supervisor here.]General Notes (Optional)[Enter your general notes from the course here.]Return to Table of Contents344551027813000376999528067000277939528003500311115727940000AuditsSpeak to your supervisor about your agency’s policies on Audits with regard to licensing.[Enter your notes on best practices from the course here, if applicable.][REQUIRED: Enter your notes from your discussion with your supervisor here.]General Notes (Optional)[Enter your general notes from the course here.]Return to Table of Contents277622028511500376682027368500344233528384500310769028540700Dedicated ResourcesSpeak to your supervisor about your agency’s policies on Dedicated Resources with regard to licensing.[Enter your notes on best practices from the course here, if applicable.][REQUIRED: Enter your notes from your discussion with your supervisor here.]General Notes (Optional)[Enter your general notes from the course here.]Return to Table of Contents314642529210000281495529273500380555529337000348136229083000Risk Management ProgramsSpeak to your supervisor about your agency’s policies on Risk Management Programs with regard to licensing.[Enter your notes on best practices from the course here, if applicable.][REQUIRED: Enter your notes from your discussion with your supervisor here.]General Notes (Optional)[Enter your general notes from the course here.]Return to Table of Contents347535529083000379984029337000280924029273500314100229210000Compliance Management SystemsSpeak to your supervisor about your agency’s policies on Compliance Management Systems with regard to licensing.[Enter your notes on best practices from the course here, if applicable.][REQUIRED: Enter your notes from your discussion with your supervisor here.]General Notes (Optional)[Enter your general notes from the course here.]Return to Table of Contents314642529273500281495529337000380555529400500348136229146500Business Continuity and Disaster RecoverySpeak to your supervisor about your agency’s policies on Business Continuity and Disaster Recovery with regard to licensing.[Enter your notes on best practices from the course here, if applicable.][REQUIRED: Enter your notes from your discussion with your supervisor here.]General Notes (Optional)[Enter your general notes from the course here.]Return to Table of Contents279654028540600347599027368500312801028511500377790728448000Branch License Applications – Industry PerspectiveGeneral Notes (Optional)[Enter your general notes from the course here.]Return to Table of Contents348234029781500313436030924500280289030988000378425730861000Reviewing Branch License ApplicationsPart Two: Conduct Branch License Application ReviewReview the branch license types specific to your agency and their corresponding business activities.[Enter your notes on best practices from the course here, if applicable.][REQUIRED: Enter your notes from your discussion with your supervisor here.]Speak with your supervisor regarding your agency's commuting distance requirements, physical dwelling considerations, and policy on sharing of office spaces.[Enter your notes on best practices from the course here, if applicable.][REQUIRED: Enter your notes from your discussion with your supervisor here.]Speak with your supervisor to discuss any past experience requirements and, if applicable, verification process your agency may require regarding a branch manager. Also, discuss your agency's credit and financial responsibility requirements for the branch manager.[Enter your notes on best practices from the course here, if applicable.][REQUIRED: Enter your notes from your discussion with your supervisor here.]Speak with your supervisor to discuss agency-specific requirements for "Yes" answers to the Operation Information section.[Enter your notes on best practices from the course here, if applicable.][REQUIRED: Enter your notes from your discussion with your supervisor here.]Speak with your supervisor to determine whether your agency allows for net branching, and what actions/review may be necessary if so.[Enter your notes on best practices from the course here, if applicable.][REQUIRED: Enter your notes from your discussion with your supervisor here.]Speak with your supervisor regarding your agency's specific requirements for document uploads.[Enter your notes on best practices from the course here, if applicable.][REQUIRED: Enter your notes from your discussion with your supervisor here.]Part Three: Effect of License Status & License ItemsSpeak with your supervisor to determine if your agency elects to use the Prevent Renewal and Bulk License Status Update functionality.[Enter your notes on best practices from the course here, if applicable.][REQUIRED: Enter your notes from your discussion with your supervisor here.]Speak with your supervisor about how your agency handles the communication of CBC results with MU2 individuals.[Enter your notes on best practices from the course here, if applicable.][REQUIRED: Enter your notes from your discussion with your supervisor here.]General Notes (Optional)[Enter your general notes from the course here.]Return to Table of Contents361124530353000329374530480000391287030289500262699530416500295846530382200Reviewing Company/Branch AmendmentsPart One: Understanding Amendments and Amendment ChecklistsSpeak with your supervisor about whether your agency charges for amendments and what, if anything, is required outside of NMLS for amendments.[Enter your notes on best practices from the course here, if applicable.][REQUIRED: Enter your notes from your discussion with your supervisor here.]Part Two: Best Practices for Reviewing AmendmentsSpeak with your supervisor about how your agency handles a change in EIN number for a licensee.[Enter your notes on best practices from the course here, if applicable.][REQUIRED: Enter your notes from your discussion with your supervisor here.]Speak with your supervisor about the amendment categories and any agency-specific requirements or review criteria.Business Activities[Enter your notes on best practices from the course here, if applicable.][REQUIRED: Enter your notes from your discussion with your supervisor here.]Identifying Information[Enter your notes on best practices from the course here, if applicable.][REQUIRED: Enter your notes from your discussion with your supervisor here.]Other Trade Names[Enter your notes on best practices from the course here, if applicable.][REQUIRED: Enter your notes from your discussion with your supervisor here.]Resident/Registered Agent[Enter your notes on best practices from the course here, if applicable.][REQUIRED: Enter your notes from your discussion with your supervisor here.]Web Addresses[Enter your notes on best practices from the course here, if applicable.][REQUIRED: Enter your notes from your discussion with your supervisor here.]Contact Employees[Enter your notes on best practices from the course here, if applicable.][REQUIRED: Enter your notes from your discussion with your supervisor here.]Books and Records Information[Enter your notes on best practices from the course here, if applicable.][REQUIRED: Enter your notes from your discussion with your supervisor here.]Approvals and Designations[Enter your notes on best practices from the course here, if applicable.][REQUIRED: Enter your notes from your discussion with your supervisor here.]Bank Account Information[Enter your notes on best practices from the course here, if applicable.][REQUIRED: Enter your notes from your discussion with your supervisor here.]Legal Status[Enter your notes on best practices from the course here, if applicable.][REQUIRED: Enter your notes from your discussion with your supervisor here.]Affiliates/Subsidiaries[Enter your notes on best practices from the course here, if applicable.][REQUIRED: Enter your notes from your discussion with your supervisor here.]Disclosure Questions[Enter your notes on best practices from the course here, if applicable.][REQUIRED: Enter your notes from your discussion with your supervisor here.]Disclosure Explanations[Enter your notes on best practices from the course here, if applicable.][REQUIRED: Enter your notes from your discussion with your supervisor here.]Direct Owners[Enter your notes on best practices from the course here, if applicable.][REQUIRED: Enter your notes from your discussion with your supervisor here.]Indirect Owners[Enter your notes on best practices from the course here, if applicable.][REQUIRED: Enter your notes from your discussion with your supervisor here.]Qualifying Individuals[Enter your notes on best practices from the course here, if applicable.][REQUIRED: Enter your notes from your discussion with your supervisor here.]Document Uploads[Enter your notes on best practices from the course here, if applicable.][REQUIRED: Enter your notes from your discussion with your supervisor here.]Financial Institutions[Enter your notes on best practices from the course here, if applicable.][REQUIRED: Enter your notes from your discussion with your supervisor here.]Financial Statement[Enter your notes on best practices from the course here, if applicable.][REQUIRED: Enter your notes from your discussion with your supervisor here.]Speak with your supervisor about the most common mistakes the agency finds when entities file an MU1/MU3 amendment.[Enter your notes on best practices from the course here, if applicable.][REQUIRED: Enter your notes from your discussion with your supervisor here.]Part Three: Processing Amendments in the Work ListSpeak with your supervisor about how your agency manages company and branch amendments in the work list, including use of marking the work items complete and/or archived.[Enter your notes on best practices from the course here, if applicable.][REQUIRED: Enter your notes from your discussion with your supervisor here.]General Notes (Optional)[Enter your general notes from the course here.]Return to Table of Contents264858527940000298005527876500331533528003500363283527876500393475227813000Advance Change NoticePart One: IntroductionWhat change types have document upload requirements?[Enter your notes on best practices from the course here, if applicable.][REQUIRED: Enter your notes from your discussion with your supervisor here.]Part Three: Viewing and Managing Submitted ACNsSpeak to your supervisor to gain an understanding of how your agency manages ACNs. Do you have a notice requirement for all change types? Which ACN statuses are commonly used? If you manage ACNs on NMLS and need to communicate an issue is this accomplished through the ACN status, creation of a License Item, sending communication outside of NMLS?[Enter your notes on best practices from the course here, if applicable.][REQUIRED: Enter your notes from your discussion with your supervisor here.]General Notes (Optional)[Enter your general notes from the course here.]Return to Table of Contents362204029781500330454029908500263779029845000296926029781500392083331242000Regulatory ActionsPart One: IntroductionDoes your agency post regulatory actions? If yes, gain an understanding as to which department within your agency posts these actions (i.e. Legal, Enforcement, Licensing, etc.). Some agencies decided to post actions moving forward from the date the functionality was available (October 24, 2011), while others posted actions moving forward, but also decided to post actions dating back 5,10, 15 years for historical purposes. Find out your agency’s stance on this topic. If your agency posts regulatory actions, do you post all actions? For example, do you only post actions against companies or MLOs? Determine which actions are posted and how (public or private).[Enter your notes on best practices from the course here, if applicable.][REQUIRED: Enter your notes from your discussion with your supervisor here.]Find out which privacy levels your agency commonly uses and for what purpose. By statute can you utilize the All Regulators privacy level?[Enter your notes on best practices from the course here, if applicable.][REQUIRED: Enter your notes from your discussion with your supervisor here.]General Notes (Optional)[Enter your general notes from the course here.]Return to Table of Contents315785528956000282638529019500349313529083000381097828956000Agency Fee InvoicingPart Three: Batch UploadIf your agency uses AFI:If your agency uses AFI:Find out which methods are commonly used (single invoice vs batch) and for what purpose. Discuss if there are any other fees collected outside the System that could be charged through use of AFI. If your agency does not use AFI: Identify ways your agency could utilize this feature in place of your existing process outside the System. How would you use the single invoice option vs the batch upload invoicing?[Enter your notes on best practices from the course here, if applicable.][REQUIRED: Enter your notes from your discussion with your supervisor here.]General Notes (Optional)[Enter your general notes from the course here.]Return to Table of Contents308165529146500344707229146500Company/Branch Renewal ProcessGeneral Notes (Optional)[Enter your general notes from the course here.]Return to Table of Contents344932028448000308448728448000Reviewing Company/Branch Renewal Requests*Next Steps with an * are also in the Reviewing MLO Renewal Requests CourseWhat is your renewal period?*[Enter your notes on best practices from the course here, if applicable.][REQUIRED: Enter your notes from your discussion with your supervisor here.]What is your renewal process?*[Enter your notes on best practices from the course here, if applicable.][REQUIRED: Enter your notes from your discussion with your supervisor here.]What are your agency-specific renewal requirements and fees?*[Enter your notes on best practices from the course here, if applicable.][REQUIRED: Enter your notes from your discussion with your supervisor here.]How does your agency use annual background checks with regard to renewal?*[Enter your notes on best practices from the course here, if applicable.][REQUIRED: Enter your notes from your discussion with your supervisor here.]What are your agency’s credit/financial responsibility requirements?*[Enter your notes on best practices from the course here, if applicable.][REQUIRED: Enter your notes from your discussion with your supervisor here.]Would the Renewal Rejected status apply?*[Enter your notes on best practices from the course here, if applicable.][REQUIRED: Enter your notes from your discussion with your supervisor here.]Does your agency allow licensees to continue to conduct business if the renewal request is in a “Renewal Requested” status at the end of the renewal period?*[Enter your notes on best practices from the course here, if applicable.][REQUIRED: Enter your notes from your discussion with your supervisor here.]What events would require you to use the Prevent Renewal feature?*[Enter your notes on best practices from the course here, if applicable.][REQUIRED: Enter your notes from your discussion with your supervisor here.]How does your agency use the available reports in the renewal process?*[Enter your notes on best practices from the course here, if applicable.][REQUIRED: Enter your notes from your discussion with your supervisor here.]Does your agency participate in reinstatement and Bulk Termination?*[Enter your notes on best practices from the course here, if applicable.][REQUIRED: Enter your notes from your discussion with your supervisor here.]Who is responsible for Bulk Termination, and how is it done?*[Enter your notes on best practices from the course here, if applicable.][REQUIRED: Enter your notes from your discussion with your supervisor here.]How does your agency handle renewal requests that have been placed in an On Hold status?*[Enter your notes on best practices from the course here, if applicable.][REQUIRED: Enter your notes from your discussion with your supervisor here.]Does your agency collect late renewal fees? If so, how?*[Enter your notes on best practices from the course here, if applicable.][REQUIRED: Enter your notes from your discussion with your supervisor here.]How are licenses in a Failed to Renew status managed in NMLS?*[Enter your notes on best practices from the course here, if applicable.][REQUIRED: Enter your notes from your discussion with your supervisor here.]What is your reinstatement period?*[Enter your notes on best practices from the course here, if applicable.][REQUIRED: Enter your notes from your discussion with your supervisor here.]What will happen if licensees fail to request renewal?*[Enter your notes on best practices from the course here, if applicable.][REQUIRED: Enter your notes from your discussion with your supervisor here.]Does your agency collect reinstatement fees? If so, how?*[Enter your notes on best practices from the course here, if applicable.][REQUIRED: Enter your notes from your discussion with your supervisor here.]Are there any differences between your agency’s credit/financial responsibility requirements for control individuals and branch managers vs. individuals?[Enter your notes on best practices from the course here, if applicable.][REQUIRED: Enter your notes from your discussion with your supervisor here.]Does your agency have any perpetual license types managed through NMLS?[Enter your notes on best practices from the course here, if applicable.][REQUIRED: Enter your notes from your discussion with your supervisor here.]General Notes (Optional)[Enter your general notes from the course here.]Return to Table of Contents311023027051000342802227876500MLO Renewal ProcessGeneral Notes (Optional)[Enter your general notes from the course here.]Return to Table of Contents294957527749500331025528448000359727528667700Reviewing MLO Renewal Requests*Next Steps with an * are also in the Reviewing Company/Branch Renewal Requests CourseWhat is your renewal period?*[Enter your notes on best practices from the course here, if applicable.][REQUIRED: Enter your notes from your discussion with your supervisor here.]What is your renewal process?*[Enter your notes on best practices from the course here, if applicable.][REQUIRED: Enter your notes from your discussion with your supervisor here.]What are your agency-specific renewal requirements and fees?*[Enter your notes on best practices from the course here, if applicable.][REQUIRED: Enter your notes from your discussion with your supervisor here.]How does your agency use annual background checks with regard to renewal?*[Enter your notes on best practices from the course here, if applicable.][REQUIRED: Enter your notes from your discussion with your supervisor here.]What are your agency’s credit/financial responsibility requirements?*[Enter your notes on best practices from the course here, if applicable.][REQUIRED: Enter your notes from your discussion with your supervisor here.]Would the Renewal Rejected status apply?*[Enter your notes on best practices from the course here, if applicable.][REQUIRED: Enter your notes from your discussion with your supervisor here.]Does your agency allow licensees to continue to conduct business if the renewal request is in a “Renewal Requested” status at the end of the renewal period?*[Enter your notes on best practices from the course here, if applicable.][REQUIRED: Enter your notes from your discussion with your supervisor here.]What events would require you to use the Prevent Renewal feature?*[Enter your notes on best practices from the course here, if applicable.][REQUIRED: Enter your notes from your discussion with your supervisor here.]How does your agency use the available reports in the renewal process?*[Enter your notes on best practices from the course here, if applicable.][REQUIRED: Enter your notes from your discussion with your supervisor here.]Does your agency participate in reinstatement and Bulk Termination?*[Enter your notes on best practices from the course here, if applicable.][REQUIRED: Enter your notes from your discussion with your supervisor here.]Who is responsible for Bulk Termination, and how is it done?*[Enter your notes on best practices from the course here, if applicable.][REQUIRED: Enter your notes from your discussion with your supervisor here.]How does your agency handle renewal requests that have been placed in an On Hold status?*[Enter your notes on best practices from the course here, if applicable.][REQUIRED: Enter your notes from your discussion with your supervisor here.]Does your agency collect late renewal fees? If so, how?*[Enter your notes on best practices from the course here, if applicable.][REQUIRED: Enter your notes from your discussion with your supervisor here.]How are licenses in a Failed to Renew status managed in NMLS?*[Enter your notes on best practices from the course here, if applicable.][REQUIRED: Enter your notes from your discussion with your supervisor here.]What is your reinstatement period?*[Enter your notes on best practices from the course here, if applicable.][REQUIRED: Enter your notes from your discussion with your supervisor here.]What will happen if licensees fail to request renewal?*[Enter your notes on best practices from the course here, if applicable.][REQUIRED: Enter your notes from your discussion with your supervisor here.]Does your agency collect reinstatement fees? If so, how?*[Enter your notes on best practices from the course here, if applicable.][REQUIRED: Enter your notes from your discussion with your supervisor here.]What are your CE requirements?[Enter your notes on best practices from the course here, if applicable.][REQUIRED: Enter your notes from your discussion with your supervisor here.]What are your agency’s renewal requirements regarding Credit Report Flags?[Enter your notes on best practices from the course here, if applicable.][REQUIRED: Enter your notes from your discussion with your supervisor here.]General Notes (Optional)[Enter your general notes from the course here.]Return to Table of Contents341820527876500312009827876500Completing the Mortgage Call Report – Industry PerspectiveGeneral Notes (Optional)[Enter your general notes from the course here.]Return to Table of Contents341693529718000311882829718000Reviewing the MCR – Standard RMLANext Steps will accompany course when available.Return to Table of Contents343979553213000314168853213000Reviewing the MCR and Financial Statement – Standard Financial Condition and Financial StatementNext Steps will accompany course when available.Return to Table of Contents306514528448000336388728448000Reviewing the MCR – Expanded RMLANext Steps will accompany course when available.Return to Table of Contents340106054483000310290254483000Reviewing the MCR and Financial Statement – Expanded Financial Condition and Financial StatementNext Steps will accompany course when available.Return to Table of Contents ................
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