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Temporary Authority to Operate

The Economic Growth, Regulatory Relief and Consumer Protection Act (S. 2155) was signed into federal law on May 24, 2018 and takes effect November 24, 2019. S.2155 included a new provision under the SAFE Act of 2008, known as Temporary Authority to Operate (also called Transitional Authority) which streamlines the license application process for federally registered mortgage loan originators (MLOs) seeking state licensure and state-licensed MLOs seeking licensure in another state. It allows a MLO, if certain eligibility requirements are met, to operate on a temporary basis for up to 120 days while the applicant’s MLO application is pending review and the applicant works toward completing the licensing related testing and education requirements.

MLO license applications will continue to be submitted in NMLS. If you are seeking Temporary Authority to Operate when submitting an application for an Indiana DFI MLO License, you must also request Temporary Authority to Operate in NMLS through the MLO license application process.

The NMLS Resource Center has policies, tips, and resources to assist you with understanding what is required in order to obtain Temporary Authority to Operate and how to request that authority in NMLS. Should you have any additional questions, please contact us by phone at 317-453-3566 or by email at Temporary Authority to Operate questions may also be submitted directly to NMLS at