source:
  type: regulation
  id: safe-12cfr-1007.105
  authority: 12 CFR Part 1007 — SAFE Act Federal Registration of Residential Mortgage Loan Originators (CFPB) §
    1007.105 — Use of unique identifier
  description: '12 CFR Part 1007 — SAFE Act Federal Registration of Residential Mortgage Loan Originators (CFPB),
    §1007.105 Use of unique identifier. Captured section-complete (all subsections verbatim).

    '
obligations:
- id: safe-12cfr-1007.105-a
  canonical_id: safe-12cfr-1007.105-a
  section: 12 CFR §1007.105(a)
  description: 'Use of unique identifier — (a): (a) The covered financial institution shall make the unique identifier(s)
    of its registered mortgage loan originator(s) available to consumers in a manner and method practicable to the
    institution.'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - section-complete
  primary_source:
    tier: 1
    authority: 12 CFR Part 1007 — SAFE Act Federal Registration of Residential Mortgage Loan Originators (CFPB)
      § 1007.105
    source_class: ecfr-xml
    source_url: https://www.ecfr.gov/current/title-12/chapter-X/subchapter-B/part-1007
    snapshot_id: 5daf3a40bd6ddc2c
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:7f105386277af1bc7587cdb1093c30b2fbbcf4d28f0729cc5e0c2a91a79dbe76
    paragraph_quote: (a) The covered financial institution shall make the unique identifier(s) of its registered
      mortgage loan originator(s) available to consumers in a manner and method practicable to the institution.
    drafter_attestation: Verbatim (whitespace-normalized) slice of §1007.105 subsection (a) from snapshot 5daf3a40bd6ddc2c;
      substring-verified.
  judgment: false
- id: safe-12cfr-1007.105-b
  canonical_id: safe-12cfr-1007.105-b
  section: 12 CFR §1007.105(b)
  description: 'Use of unique identifier — (b): (b) A registered mortgage loan originator shall provide his or her
    unique identifier to a consumer: (1) Upon request; (2) Before acting as a mortgage loan originator; and (3)
    Through the originator''s initial written communication with a consumer, if any, whether on paper or electronically.'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - section-complete
  primary_source:
    tier: 1
    authority: 12 CFR Part 1007 — SAFE Act Federal Registration of Residential Mortgage Loan Originators (CFPB)
      § 1007.105
    source_class: ecfr-xml
    source_url: https://www.ecfr.gov/current/title-12/chapter-X/subchapter-B/part-1007
    snapshot_id: 5daf3a40bd6ddc2c
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:7f105386277af1bc7587cdb1093c30b2fbbcf4d28f0729cc5e0c2a91a79dbe76
    paragraph_quote: '(b) A registered mortgage loan originator shall provide his or her unique identifier to a
      consumer: (1) Upon request; (2) Before acting as a mortgage loan originator; and (3) Through the originator''s
      initial written communication with a consumer, if any, whether on paper or electronically.'
    drafter_attestation: Verbatim (whitespace-normalized) slice of §1007.105 subsection (b) from snapshot 5daf3a40bd6ddc2c;
      substring-verified.
  judgment: false
