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Mortgage licensing / Alabama

Alabama Non-Mortgage Consumer Credit License

branch licence · NMLS ALNONCONSUMERCR_B · SBD

The Non-Mortgage Consumer Credit branch license is for entities that are conducting traditional financing activities but do not extend credit on mortgage transactions.

Requirements (6)

  1. Step 1

    License/Registration Fees: See the License Requirements and Fees Chart on the NMLS Resource Center for details related to this Requirement.

    Submitted via: (NMLS (Filing submission)

  2. Step 2

    Submission of Branch Form (MU3): Complete and submit the Branch Form (MU3) in NMLS. This form serves as the transition request for the license/registration through NMLS.

    Submitted via: NMLS

  3. Step 3

    Branch Manager: A Branch Manager must be designated for each licensed location. A Branch Manager is defined as an individual whose principal office is physically located in, who is in charge of, and who is responsible for the business operations of a branch office.

    Submitted via: NMLS

  4. Step 4

    Branch Manager (MU2) Attestation: Complete the Individual Form (MU2) in NMLS. This form must be attested to by the applicable branch manager before it is able to be submitted along with the Branch Form (MU3).

    Submitted via: NMLS

  5. Step 5

    ZONING: Signed statement attesting that the requested license location is not zoned residential. Click to download form

    Submitted via: Upload in NMLS: under Additional Requirements in the Document Uploads section of the Branch Form (MU3)

  6. Step 6

    Edit requirement details A properly executed ALEA "Application To Review Alabama Criminal History Record Information". Include a front and back copy of your valid photo identification card and a completed FBI-Application Fingerprint card for each owner, member, director, and officer, as applicable. PLEASE DO NOT SEND COMPLETED FORMS TO ALEA. Your completed ALEA forms must be submitted via mail to the Alabama Banking Department. THE $25 ALEA ADMINISTRATIVE FEE DOES NOT APPLY. Be sure this form is complete, signed by the applicant, and signed by either two witnesses or by a notary. Attach to the completed form one (1) front and back copy of your valid photo identification card and one (1) completed FBI-Application Fingerprint card of your fingerprints. Fingerprints can be taken at local Sheriff’s Offices or police departments.

    Submitted via: Mail to: Alabama Banking Department, P. O. Box 4600, Montgomery, Alabama 36103-4600

General information

Who Is Required to Have This License? The Non-Mortgage Consumer Credit branch license is for entities that are conducting traditional financing activities but do not extend credit on mortgage transactions. Alabama Consumer Credit Act: Title 5, Chapter 19 Activities Authorized Under This License: Consumer loan lending (non-mortgage) Consumer loan servicing (non-mortgage) Consumer loan brokering (non-mortgage) Non-private student loan lending Non-private student loan servicing Private student loan lending Private student loan servicing Refund anticipation lending Sales finance company activities – general Sales finance company activities - motor vehicles The Alabama Banking Department does issue paper licenses for this license type. Document Uploads Guidance Documents that must be uploaded to the Document Uploads section of the Company Form (MU1) in NMLS are indicated in the checklist below. When uploading documents: • Follow the guidance in Managing Document Uploads. • Only upload documents relevant to the company application. • Only upload documents where there is a selectable document category. If inappropriate documents are uploaded that should not be, you will be contacted by your regulator and asked to remove them from NMLS. • Do not upload the same company documents multiple times. Generally, unless the document is state-specific, if the document has already been uploaded for another state, a new upload is not required unless changes have been made. • If a document previously uploaded has been revised, delete the old document and replace it with the new document (history of the old document will remain in NMLS). • For state-specific documents (e.g., the Applicant's Customer Agreement), be sure to indicate the applicable state. Helpful Resources • Requesting a Company License or Transition • Managing Document Uploads • Individual MU2 Form Filing • Paying for a Company MU3 Filing • License Status Definitions NOTE - Fees collected through NMLS are NOT REFUNDABLE OR TRANSFERABLE. For questions regarding your NMLS account or navigating the NMLS please visit the NMLS Resource Center or Contact the NMLS Call Center with any questions: 1-855-665-7123 Monday - Friday from 9:00AM to 9:00PM ET

Other Alabama mortgage licenses

Sourced from the NMLS/CSBS state licensing record, last updated August 28, 2026. Requirements change — confirm against the state agency before filing. Not legal advice.

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