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Which of the following scenarios best illustrates the consumer protection purpose of the NMLS Consumer Access database?

Uniform State Test (UST) · 11% of the SAFE exammedium

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Correct answer: A borrower searches for her MLO's name and discovers his license was previously revoked in another state

The NMLS Consumer Access database was specifically designed to empower consumers to make informed decisions about whom they trust with their mortgage transaction. Discovering that an MLO had a prior license revocation in another state is exactly the type of information the system is meant to surface. NMLS Consumer Access is not a rate comparison tool, a referral network for real estate agents, or a source for continuing education materials — those functions exist on other platforms.

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