Applications/Forms
2024 Credit Services Organization Renewal and Annual Report – Due April 1, 2025
Pursuant to K.S.A. 50-1118 et seq., all Credit Services Organization (CSO) Licenses shall expire on April 30 of each year. CSOs are required to renew annually with the Kansas Office of the State Bank Commissioner (OSBC) at least 30 days prior to expiration. To finish the renewal process, please complete the following by April 1, 2025:
- Complete the 2024 Credit Services Organization Annual Report and return to [email protected].
- Ensure most recent audited or reviewed financial statements are uploaded to NMLS. The fiscal year-end should be no earlier than December 31, 2023.
- Update and verify all information is up to date including officers and key management in NMLS.
- Pay renewal invoice of $150 prior to April 1, 2025 in NMLS.
Credit Services Organization Annual Report
2024 Supervised Loan Licensee Annual Report – Due April 15, 2025
Pursuant to K.S.A. 16a-1-101 et seq., all Supervised Loan (SL) Licensees are required to file an annual written report with the Kansas Office of the State Bank Commissioner (OSBC) by April 15, 2025. The 2024 Annual Report form is available at the link below. Only one annual report form is due per company. If your company has branches, report all company information on one form.
Supervised Loan Licensee Annual Report
2024 Mortgage Company Annual Report
Pursuant to K.S.A. 9-2216a et seq., all Mortgage Company (MC) Licensees are required to file an annual written report with the Kansas Office of the State Bank Commissioner (OSBC). The standard NMLS mortgage call report (MCR) with the addition of the State Specific Supplemental Form (SSSF) will now fulfil this requirement and MC licensees no longer need to complete the Mortgage Company Limited Annual Report outside the NMLS system.
As of reporting period Q1 2024, the OSBC will require transactions involving Kansas mortgage processing and/or underwriting to be reported within the SSSF under Licensed Processors and Underwriters SF600 – SF 660. Kansas does not require completion of any other section or field on the SSSF, including Revenue Data (SF1100). Commercial business is not within OSBC jurisdiction, and consumer loans do not fall under the mortgage company license, so we will not require that data to be entered. However, if you have Kansas data to enter, we will not prohibit the entry if you choose to do so.
The Consumer & Mortgage Lending Division (CML) regulates the business activities and license types below.
Click each license type for additional information regarding obtaining or renewing a license, as well as contact information for additional assistance.
A Mortgage Company (MC) license is required for the principal place of business of any entity engaging in, or holding out to the public as willing to engage in, for compensation or gain, or in the expectation of compensation or gain, directly or indirectly, the business of making, originating, servicing, soliciting, placing, negotiating, acquiring, selling, arranging for others, or holding the rights to or offering to solicit, place, negotiate, acquire, sell or arrange for others, mortgage loans involving Kansas residential property. This requirement is pursuant to the Kansas Mortgage Business Act (KMBA), K.S.A. 9-2201 et seq., and amendments thereto. Review the KMBA in its entirety on the “Laws and Guidance” portion of our website.
The Nationwide Multistate Licensing System & Registry is used for applications/renewals for this license type.
The NMLS Resource Center website below provides step-by-step instructions on how to access the system, guides on how to complete the MU forms, tutorials and much more. If you have questions, contact the NMLS Call Center at 1-855-NMLS-123 (1-855-665-7123).
Renewal quick guide is available for license renewals through NMLS.
Mortgage Company Assistance
Julie Moss
785-380-8528
[email protected]
A Mortgage Loan Originator (MLO) license is required for any individual conducting mortgage business involving loan origination on behalf of a single mortgage company licensed to conduct mortgage activity in Kansas. This requirement is pursuant to the Kansas Mortgage Business Act (KMBA), K.S.A. 9-2201 et seq. and amendments thereto. Review the KMBA in its entirety on the “Laws and Guidance” portion of our website.
The Nationwide Multistate Licensing System & Registry is used for applications/renewals for this license type.
The NMLS Resource Center website below provides step-by-step instructions on how to access the system, guides on how to complete the MU forms, tutorials and much more. If you have questions, contact the NMLS Call Center at 1-855-NMLS-123 (1-855-665-7123).
Renewal quick guide is available for license renewals through NMLS.
*For licensing determinations of mortgage loan originators, the Office of the State Bank Commissioner may consider criminal or civil actions permitted by K.S.A. 74-120 for a denial based on disclosed or discovered criminal convictions or civil actions on an applicant’s NMLS MU4 form.All other individual applicants may have a denial based on criminal convictions or civil actions consisting of fraud, dishonesty, trustworthiness, or financial wellbeing.
Mortgage Loan Originator Assistance
Emily Simmonds
785-318-7563
[email protected]
A Supervised Loan (SL) license is required for the principal place of business for any entity making supervised loans involving Kansas consumers; or taking assignments of and directly or indirectly, including through the use of servicing contracts or otherwise, and either: undertaking collection of payments from debtors arising from supervised loans; or enforcing rights against debtors arising from supervised loans involving Kansas consumers. This requirement is pursuant to the Uniform Consumer Credit Code (UCCC), K.S.A. 16a-1-101 et seq., and amendments thereto. Review the UCCC in its entirety on the “Laws and Guidance” portion of our website.
The Multistate Licensing System & Registry is used for applications/renewals for this license type.
The NMLS Resource Center website below provides step-by-step instructions on how to access the system, guides on how to complete the MU forms, tutorials and much more. If you have questions, contact the NMLS Call Center at 1-855-NMLS-123 (1-855-665-7123).
Renewal quick guide is available for license renewals through NMLS.
Supervised Loan Companies Assistance
Doug Vollenweider
913-340-9708
[email protected]
A Credit Services Organization (CSO) license is required for any person that engages in, or holds out to the public as willing to engage in, the business of debt management services for a fee, compensation or gain, or in the expectation of a fee, compensation or gain. This requirement is pursuant to the Kansas Credit Services Organization Act (CSO Act), K.S.A. 50-1116 et seq., and amendments thereto. Review the CSO Act in its entirety on the “Laws and Guidance” portion of our website.
The Nationwide Multistate Licensing System & Registry is used for applications/renewals for this license type.
The NMLS Resource Center website below provides step-by-step instructions on how to access the system, guides on how to complete the MU forms, tutorials and much more. If you have questions, contact the NMLS Call Center at 1-855-NMLS-123 (1-855-665-7123).
Renewal quick guide is available for license renewals through NMLS.
Credit Services Organization Assistance
Julie Moss
785-380-8528
[email protected]
A Money Transmitter (MT) license is required for any person (individual, general partnership, limited partnership, limited liability company, corporation, trust, association, joint stock corporation or other corporate entity identified or recognized by the commissioner) who engages in the business of selling or issuing payment instruments to a person locate in Kansas; selling or issuing stored value to a person located in Kansas; receiving money for transmission from a person located in Kansas; or payroll processing services. This requirement is pursuant to the Kansas Money Transmitter Act (KMTA), K.S.A. 9-555 et seq., and amendments thereto, Review the KMTA in its entirety on the “Laws and Guidance” portion of our website.
The Nationwide Multistate Licensing System & Registry is used for applications/renewals for this license type.
The NMLS Resource Center website below provides step-by-step instructions on how to access the system, guides on how to complete the MU forms, tutorials and much more. If you have questions, contact the NMLS Call Center at 1-855-NMLS-123 (1-855-665-7123).
Renewal quick guide is available for license renewals through NMLS.
Money Transmitter Company Assistance
Devin Tatrn
785-380-3537
[email protected]
An Earned Wage Access Services Provider (EWA) license is required for any entity that is engaged in or intends to engage in the business of providing consumer-directed wage access services, employer integrated access services, or both with Kansas consumers. This is a requirement pursuant to the Earned Wage Access Services Act (EWA), K.S.A. 9-2401 et seq., and amendments thereto. Review the EWA in its entirety “Laws and Guidance” portion of our website.
The Nationwide Multistate Licensing System & Registry is used for applications/renewals for this license type.
The NMLS Resource Center website below provides step-by-step instructions on how to access the system, guides on how to complete the MU forms, tutorials and much more. If you have questions, contact the NMLS Call Center at 1-855-NMLS-123 (1-855-665-7123).
Renewal quick guide is available for license renewals through NMLS.
Earned Wage Access Company Assistance
Devin Tatrn
785-380-3537
[email protected]
A Consumer Credit Filer (CCF) license is required for entities that:
- Extend credit to which a finance charge is added to the actual cost of goods or services;
- Add a service or carrying charge to an account as a cost of deferring payment
- Prepare retail installment contracts and assign these contracts to a third party
- Extend credit according to a written agreement which permits payments in more than four installments, even though no finance charge is added
- Purchase retail installment contracts, loans or leases from creditors or who purchase the rights to service such transactions.
Who is exempt?
- Sellers who accept lender credit cards (e.g. bank credit cards) EXCLUSIVELY
- Creditors who sell or lend EXCLUSIVELY for business or agricultural purposes
- Business purposes means a business selling to other businesses only – no consumer business
- Those who are not “Regularly Engaged” in extensions of credit that require the filing.
- “Regularly engaged” means a person that extends credit directly or through assignment more than 25 times in any state during the preceding calendar year.
- Licensed Supervised Lenders
- If a company holds an active Supervised Loan License, all consumer credit activity will be regulated and reported without the additional Consumer Credit filing.
Consumer Credit Filers are required to renew their filing by August 31 of each year.
New consumer credit filers should use the OSBC Online site to apply:
https://online.osbckansas.gov
Consumer Credit Filer Amendments
Per K.A.R. 75-6-32, if the business name, status, or list of locations contained in the notification becomes inaccurate after filing, the person shall notify the administrator in writing within 30 days of the date of the change.
To amend an existing consumer credit filing, please send correspondence to [email protected]
Consumer Credit Filer Assistance
Doug Vollenweider
913-340-9708
[email protected]
All license types above, except Consumer Credit Filers, utilize the Nationwide Multistate Licensing System & Registry for application and renewals. The NMLS website below provides step-by-step instructions on how to access the system, guides on how to complete the MU forms, tutorials and much more. If you have questions, contact the NMLS Call Center at 1-855-NMLS-123 (1-855-665-7123).
Renewal quick guide is available for license renewals through NMLS.
Fee Summaries
Contact Licensing Department
General licensing questions can be directed to [email protected]
License-specific questions can be directed to the contact information specified on the license type above.
