Filter Process for State-specific Mortgage Information Requests

To avoid redundancies and duplication in the SES Library, agencies are being supported before adding mortgage state-specific IRs to the system. This applies only to state-specific IRs under "Mortgage Origination" or "Mortgage Servicing." The mortgage state-specific request will be shared with CSBS support users who will assist the agency in determining whether there is a comparable standard that they can use in lieu of the state-specific IR. The process is detailed below:

  1. The agency submits a state-specific mortgage IR request via the SES Library. See Adding a State-specific Mortgage Information Request to the Library for more information.
  2. CSBS compares the agency state-specific mortgage IR to the SES Standard Mortgage IRs to see if there is a match. These items are available in SES to facilitate the harmonization of exam activities among state agencies, by offering a uniform set of information requests and procedures for use by all state agency users. CSBS works and coordinates with its sister trade associations and agency working groups to implement, maintain, and update the standards in the system. See Agency Library: Key Concepts, Features, and Management for more information.
    Note: CSBS will respond to the agency within a reasonable timeframe.
  3. The agency receives an email notification stating either:
    1. The review is complete and the state-specific mortgage IR is available for use in the SES Library.
    2. CSBS needs input from the Mortgage Examination Working Group to make a determination.
    3. CSBS has identified a comparable SES Standard Mortgage IR and encourages its use in lieu of the state-specific mortgage IR.

If CSBS needs input from the Mortgage Examination Working Group to make a determination, the Mortgage Examination Working Group will review the IR at their next monthly meeting and determine if the state-specific mortgage IR can be used in SES or if it is a candidate for a new SES Standard Mortgage IR.

If CSBS has identified a comparable SES Standard Mortgage IR and encourages its use in lieu of the state-specific mortgage IR and the agency does not agree with CSBS' findings, the agency may request that CSBS support users present the state-specific mortgage IR to the Mortgage Examination Working Group for review. Submit the request to the Regulatory User Group for agency support with this process.

For a complete list of email, phone and website addresses for agency support, please see the secure NMLS / SES Portal.1

While the review process is happening, agencies are able to add a custom mortgage IR to a supervisory activity. See Adding Custom Information Requests for more information.

1 Agency user login account required for access.