Cashpoint

• CashPoint Information

Press Releases

• June 15, 2009 Press Release
  Loan Modifications
• March 25, 2008 Press Release
  Mortgage Loan Originator Filing Deadline: March 31, 2008
• March 4, 2008 Press Release
  Statement on Subprime Mortgage Lending
• October 6, 2003 Press Release
  First Rate Credit Union

Licensing Bulletins

• 2004-1 Licensee Delayed Report Filing Penalty
• 2003-2 Prohibited Net Branches & Net Branching Arrangements
• 2003-1 Interest on Retail Installment Contracts
• 2002-2 Boat and Automobile Dealers and Brokers Licensing Requirements
• 2002-1 Affiliated Appraisal Management Companies

Rules and Regulations

• Regulation 98-9 - Interest on Escrow Accounts
• Regulation 98-14 - Licensees
• Regulation 98-14.1 - Lenders and Loan Brokers
• Regulation 98-14.4 - Check Cashing

License Applications

• Lender or Loan Broker License Application Through the National Mortgage Licensing System ("NMLS")
  • Applicants that have not established an account in the NMLS
  • Applicants who have already established an account in the NMLS
  • Lender Bond
  • Loan Broker Bond
• Small Loan Lender License
  • Uniform Form SLLU1 Application for Small Loan Lender License
  • Uniform NMLS Form MU2 & Rhode Island Specific Instructions
  • Small Loan Lender Bond
• Check Casher
  • Application for Check Casher License
  • Check Casher Bond
• Seller of Checks or Electronic Money Transfer
  • Application for Sale of Checks and Electronic Money Transfer License
  • Sale of Checks and Electronic Money Transfer Bond
• Debt-Management Services Business
  • Uniform Debt-Management Services Form
  • Uniform Debt-Management Services Biographical Statement & Content Form
  • Debt Management Bond

Mortgage Loan Originator Registration

• Applicants that have not established an account in the NMLS
• Applicants who have already established an account in the NMLS
• IMPORTANT LICENSE APPLICATION NOTICE
• 2008-1 Education Requirements for Mortgage Loan Originators
• Rhode Island MLO Professional Requirements under S.A.F.E. Act
• Application for Approval to be a Mortgage Loan Originator Educational Course Provider
• Format for Submission of Completed Educational Requirements
• List of Approved Training Facilities

Debt Collector Registration

• Rhode Island Debt Collector Registration - Form DCU1
• Rhode Island Debt Collector Registration - Electronic E-File

Personal Financial Statements

Branches

• Lender or Loan Broker
  • Applicants that have not established an account in the NMLS
  • Applicants who have already established an account in the NMLS
• Small Loan Lenders or Debt Management Service Providers
  • Branch Certificate Application
• Check Casher
  • Check Casher Branch Certificate Application

Application for Change of Address

• Lender, Loan Broker License or Mortgage Loan Originator
• Applicants who have already established an account in the NMLS
• Small Loan Lender, Debt Management Service Providers, Check Cashers, Sellers of Checks, or Electronic Money Transfer
• Application

Application for a Change of Name

• Lender, Loan Broker License or Mortgage Loan Originator
• Applicants who have already established an account in the NMLS
• Small Loan Lender, Debt Management Service Providers, Check Cashers, Sellers of Checks, or Electronic Money Transfer
• Application

Application for a Change in Ownership or Change in Control Person

• Lender or Loan Broker
• Applicants who have already established an account in the NMLS
• Small Loan Lender
• Uniform NMLS Form MU and Form SLLU License Amendments - Change of Ownership or Change in Control Person
• Uniform NMLS Form MU2
• Debt Management Service Providers, Check Cashers, Sellers of Checks, or Electronic Money Transfer
• Application

Authorization for Background Check and Release

• Authorization (for Check Cashers, Sellers of Checks, Money Transfer, or Debt Management Service Providers only)
  Review Application Requirements for Applicability
• Form MU and Form SLLU Authorization
  Review Application Requirements for Applicability

Interpretive Rulings

• Interpretive Ruling 2000-1-34-23-6 Loan Fees and Other Similar Charges
• Interpretive Ruling 2001-1-19-9-5 Owners Title Policy

Annual Reports (Due date March 31st each year)

IMPORTANT—Review the Division of Banking's Bulletins!

• Lender or Loan Broker
  • IMPORTANT 2009 ANNUAL REPORT FILING NOTICE
  • IMPORTANT 2009 ANNUAL REPORT CHECKLIST
  • IMPORTANT LICENSE RENEWAL NOTICE
• Small Loan Lender, Debt Management Service Providers, Check Cashers, Sellers of Checks, or Electronic Money Transfer
  • IMPORTANT LICENSE RENEWAL NOTICE
• File online!

License Surrender

• Lender or Loan Broker
  • Applicants who have already established an account in the NMLS
  • Final Annual Report for lender, small loan lender and loan broker licensees
• Small Loan Lender
  • Final Annual Report for lender, small loan lender and loan broker licensees
• Check Cashers, Sellers of Checks, or Electronic Money Transfer
  • Final Annual Report for sale of checks, electronic money transfer, and check cashing licensees
• Debt Management Service Providers
  • Final Annual Report for debt management plan licensees