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  • S.A.F.E. Act

  • The S.A.F.E. Act establishes federal registration requirements for any individual who acts as a residential mortgage loan originator (MLO) and is employed by a financial institution, and certain subsidiaries, regulated by the OCC and other Federal Regulatory Agencies. The S.A.F.E. Act was enacted in part to enhance consumer protection and reduce fraud, and mandates a nationwide licensing and registration system for MLOs.

    First Niagara Registered Mortgage Loan Originators (PDF)


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