Fingerprinting: Mortgage Loan Originator

Pursuant to New York Banking Law Article 12-E and Part 420 of the Superintendent's Regulations, applicants for a Mortgage Loan Originator (MLO) License are required to submit their fingerprints for the purpose of a Criminal Background Check (CBC).

The Department of Financial Services uses IdentoGo by Idemia for fingerprint processing services. IdentoGo is the exclusive live scan fingerprinting provider for DFS as well as the New York Division of Criminal Justice Services (DCJS) and is a certified Federal Bureau of Investigation (FBI) Channeling Agent.

Only IdentoGO Centers authorized by New York State for New York State fingerprints can used, as this program operates under contractual agreements between DCJS and IdentoGo.  In addition to authorized locations in New York State, with limited but expanding availability and an additional fee, certain IdentoGo Centers located outside of New York State have been authorized for use.

Mortgage Loan Originator License Applicants should use the following link to Locate an Authorized Enrollment Center.

For those who cannot access a New York authorized center, hard copy fingerprint cards must be filed with the Department. Rolled card processing may be more costly to the applicant, may cause delays in processing the applications and should only be used when necessary.

Applicants for MLO licensing must use IdentoGo for the State component of their Criminal Background Check and must use Nationwide Mortgage Licensing System (NMLS) Criminal Background Check Request for the Federal Criminal Background Check required by the NMLS. Instructions for the NMLS CBC process can be found on the NMLS website in the Professional Requirements menu.

Below are the instructions for obtaining electronic fingerprint scans and submitting Rolled Fingerprint cards to the Department of Financial Services for the state component of the CBC.

Electronic Fingerprinting at IdentoGo

Appointment: Schedule an appointment for fingerprinting by going to the IdentoGo website.

Appointment scheduling via the website is available 24 hours, every day of the year.

When making the appointment, you will be asked to provide the reason for the fingerprints and the Service Code applicable to your application type.

  • Service Code 154358 must be provided for MLO application CBC requests.
  • Select Mortgage Loan Originator as your reason for fingerprinting.

Applicant Information Form

The Department of Financial Services Fingerprint Service Applicant Information Form includes the Service Code above, as well as all information an individual will need to provide at his/her appointment. It is recommended this form be completed and taken to the IdentoGo site for reference and convenience during the appointment.

Payment

Individuals applying for an MLO license must pay fingerprint fees directly to IdentoGo at the time of fingerprinting.  If the live scan fingerprinting is taken at a New York authorized IdentoGO Center located outside of New York State, an additional and separate fee will be charged.  Payment options include personal or business check, certified check, bank check, money order, or credit card.

Identification

Applicant must provide two forms of identification. Click here What Do I need to Bring to Enrollment to learn what ID you should bring to an appointment.  At the fingerprinting location, the identification documents will be reviewed, fingerprints will be rolled and a photo will be taken.

Receipts

After fingerprinting the individual will be provided with two receipts indicating the individual's name, fingerprinting site location, date and time, fee paid and reason for fingerprinting. The individual must provide one receipt to the Department with the application as proof of the fingerprinting. The individual should retain the other copy for his/her records.

FBI Privacy Act Statement:

Every individual submitting fingerprints for processing using Live Scan must review and acknowledge receipt of the FBI Privacy Act Statement, Noncriminal Justice Applicant’s Privacy Rights and Applicant Notification and Acknowledgement-NYDFS Privacy Act Statement.   Once you have completed your review of the document, sign and date the acknowledgement section of the NYDFS Privacy Act Statement and return it to the Department with your Live Scan receipt.

Re-Scanning

If fingerprints do not scan properly due to image quality reasons, IdentoGo will contact the individual and advise that he/she must schedule an appointment for rescanning. There is no cost for rescanning services.


Submitting Rolled Fingerprint Cards to DFS:

(Note: This method is ONLY used when it is not possible for an individual to go to a New York Authorized Enrollment Center.)

Requesting Cards

You must obtain the hard copy fingerprint cards from the Department of Financial Services.

Requests for fingerprint cards should be sent via email to [email protected]

The email must include:

  • The Service Code 154358;
  • The reason for requesting the cards (MLO Application);
  • The number of cards requested (two cards per person are required);
  • The name and mailing address of the person to whom they should be sent; and
  • A telephone number to call if we need to contact you.

The information on the fingerprint cards must be completed (see Fingerprint Card Instructions). The fingerprints may only be taken by a law enforcement or government agency. The individual must obtain a receipt with information verifying the source of the finger printer. The Fingerprint Certification Form must be completed at the time the fingerprints are taken.

Any additional costs for obtaining fingerprints on fingerprint cards are the responsibility of the individual. These costs are in addition to the fees payable to Morpho Trust USA and the NMLS.

Pre-Enrollment

Mortgage Loan Originator applicants using fingerprint cards must complete the pre-enrollment and pre-payment process via IdentoGo website. You will be asked to provide the reason for the fingerprints and the Department Service Code applicable to the application type.

The Service Code 154358 must be provided for MLO application CBC requests.

Once you enter the Service Code, you will be directed to a screen that reads 154358 –New York Banking Department – Mortgage Division – Mortgage Loan Originator. Select the option to Submit a Fingerprint Card by Mail.

Provide the required information and follow the prompts to pay the fingerprinting fee.

Submit the following directly to the Department of Financial Services-Mortgage Banking as part of the Jurisdiction Specific Requirements:

Except for the Acknowledgment form, the Department will then submit these documents to IdentoGo.

IdentoGo will contact you via US mail and advise you if fingerprints must be re-retaken if the fingerprint submission is rejected for image quality reasons. While there is no additional charge for the processing, you may be required to pay a charge by the entity rolling the fingerprints.