source:
  type: regulation
  id: safe-12cfr-1008.3
  authority: 12 CFR Part 1008 — SAFE Act Minimum State Licensing Standards for Mortgage Loan Originators (CFPB)
    § 1008.3 — Confidentiality of information
  description: '12 CFR Part 1008 — SAFE Act Minimum State Licensing Standards for Mortgage Loan Originators (CFPB),
    §1008.3 Confidentiality of information. Captured section-complete (all subsections verbatim).

    '
obligations:
- id: safe-12cfr-1008.3-a
  canonical_id: safe-12cfr-1008.3-a
  section: 12 CFR §1008.3(a)
  description: 'Confidentiality of information — (a): (a) Except as otherwise provided in this part, any requirement
    under Federal or state law regarding the privacy or confidentiality of any information or material provided
    to the Nationwide Mortgage Licensing System and Registry or a system established by the Director under this
    part, and any privile…'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - section-complete
  primary_source:
    tier: 1
    authority: 12 CFR Part 1008 — SAFE Act Minimum State Licensing Standards for Mortgage Loan Originators (CFPB)
      § 1008.3
    source_class: ecfr-xml
    source_url: https://www.ecfr.gov/current/title-12/chapter-X/subchapter-B/part-1008
    snapshot_id: 8be7db7ff328d57d
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:d145571b2b30300b8a66c87fe89c457b2c3961ee4d853c3e9b551a7eb4f181bb
    paragraph_quote: (a) Except as otherwise provided in this part, any requirement under Federal or state law regarding
      the privacy or confidentiality of any information or material provided to the Nationwide Mortgage Licensing
      System and Registry or a system established by the Director under this part, and any privilege arising under
      Federal or state law (including the rules of any Federal or state court) with respect to such information
      or material, shall continue to apply to such information or material after the information or material has
      been disclosed to the system. Such information and material may be shared with all state and Federal regulatory
      officials with mortgage industry oversight authority without the loss of privilege or the loss of confidentiality
      protections provided by Federal and state laws.
    drafter_attestation: Verbatim (whitespace-normalized) slice of §1008.3 subsection (a) from snapshot 8be7db7ff328d57d;
      substring-verified.
  judgment: false
- id: safe-12cfr-1008.3-b
  canonical_id: safe-12cfr-1008.3-b
  section: 12 CFR §1008.3(b)
  description: 'Confidentiality of information — (b): (b) Information or material that is subject to a privilege
    or confidentiality under paragraph (a) of this section shall not be subject to: (1) Disclosure under any Federal
    or state law governing the disclosure to the public of information held by an officer or an agency of the Federal
    Government or …'
  type: dont
  tags:
  - regulator-direct
  - gap-fill
  - section-complete
  primary_source:
    tier: 1
    authority: 12 CFR Part 1008 — SAFE Act Minimum State Licensing Standards for Mortgage Loan Originators (CFPB)
      § 1008.3
    source_class: ecfr-xml
    source_url: https://www.ecfr.gov/current/title-12/chapter-X/subchapter-B/part-1008
    snapshot_id: 8be7db7ff328d57d
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:d145571b2b30300b8a66c87fe89c457b2c3961ee4d853c3e9b551a7eb4f181bb
    paragraph_quote: '(b) Information or material that is subject to a privilege or confidentiality under paragraph
      (a) of this section shall not be subject to: (1) Disclosure under any Federal or state law governing the disclosure
      to the public of information held by an officer or an agency of the Federal Government or the respective state;
      or (2) Subpoena or discovery, or admission into evidence, in any private civil action or administrative process,
      unless with respect to any privilege held by the Nationwide Mortgage Licensing System and Registry or by the
      Director with respect to such information or material, the person to whom such information or material pertains,
      waives, in whole or in part, in the discretion of such person, that privilege.'
    drafter_attestation: Verbatim (whitespace-normalized) slice of §1008.3 subsection (b) from snapshot 8be7db7ff328d57d;
      substring-verified.
  judgment: false
- id: safe-12cfr-1008.3-c
  canonical_id: safe-12cfr-1008.3-c
  section: 12 CFR §1008.3(c)
  description: 'Confidentiality of information — (c): (c) Any state law, including any state open record law, relating
    to the disclosure of confidential supervisory information or any information or material described in paragraph
    (a) of this section that is inconsistent with paragraph (a), shall be superseded by the requirements of such
    provision to t…'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - section-complete
  primary_source:
    tier: 1
    authority: 12 CFR Part 1008 — SAFE Act Minimum State Licensing Standards for Mortgage Loan Originators (CFPB)
      § 1008.3
    source_class: ecfr-xml
    source_url: https://www.ecfr.gov/current/title-12/chapter-X/subchapter-B/part-1008
    snapshot_id: 8be7db7ff328d57d
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:d145571b2b30300b8a66c87fe89c457b2c3961ee4d853c3e9b551a7eb4f181bb
    paragraph_quote: (c) Any state law, including any state open record law, relating to the disclosure of confidential
      supervisory information or any information or material described in paragraph (a) of this section that is
      inconsistent with paragraph (a), shall be superseded by the requirements of such provision to the extent that
      state law provides less confidentiality or a weaker privilege.
    drafter_attestation: Verbatim (whitespace-normalized) slice of §1008.3 subsection (c) from snapshot 8be7db7ff328d57d;
      substring-verified.
  judgment: false
- id: safe-12cfr-1008.3-d
  canonical_id: safe-12cfr-1008.3-d
  section: 12 CFR §1008.3(d)
  description: 'Confidentiality of information — (d): (d) This section shall not apply with respect to the information
    or material relating to the employment history of, and any publicly adjudicated disciplinary and enforcement
    action against, any loan originator that is included in the Nationwide Mortgage Licensing System and Registry
    for access by th…'
  type: dont
  tags:
  - regulator-direct
  - gap-fill
  - section-complete
  primary_source:
    tier: 1
    authority: 12 CFR Part 1008 — SAFE Act Minimum State Licensing Standards for Mortgage Loan Originators (CFPB)
      § 1008.3
    source_class: ecfr-xml
    source_url: https://www.ecfr.gov/current/title-12/chapter-X/subchapter-B/part-1008
    snapshot_id: 8be7db7ff328d57d
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:d145571b2b30300b8a66c87fe89c457b2c3961ee4d853c3e9b551a7eb4f181bb
    paragraph_quote: (d) This section shall not apply with respect to the information or material relating to the
      employment history of, and any publicly adjudicated disciplinary and enforcement action against, any loan
      originator that is included in the Nationwide Mortgage Licensing System and Registry for access by the public.
    drafter_attestation: Verbatim (whitespace-normalized) slice of §1008.3 subsection (d) from snapshot 8be7db7ff328d57d;
      substring-verified.
  judgment: false
