source:
  type: regulation
  id: safe-12cfr-1008.115
  authority: 12 CFR Part 1008 — SAFE Act Minimum State Licensing Standards for Mortgage Loan Originators (CFPB)
    § 1008.115 — Determination of noncompliance
  description: '12 CFR Part 1008 — SAFE Act Minimum State Licensing Standards for Mortgage Loan Originators (CFPB),
    §1008.115 Determination of noncompliance. Captured section-complete (all subsections verbatim).

    '
obligations:
- id: safe-12cfr-1008.115-a
  canonical_id: safe-12cfr-1008.115-a
  section: 12 CFR §1008.115(a)
  description: 'Determination of noncompliance — (a): (a) Evidence of compliance. Any time a state enacts legislation
    that affects its compliance with the S.A.F.E. Act, it must notify the Bureau. Upon request from the Bureau,
    a state must provide evidence that it is in compliance with the requirements of the S.A.F.E. Act and this part,
    including citati…'
  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)
      § 1008.115
    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) Evidence of compliance. Any time a state enacts legislation that affects its compliance
      with the S.A.F.E. Act, it must notify the Bureau. Upon request from the Bureau, a state must provide evidence
      that it is in compliance with the requirements of the S.A.F.E. Act and this part, including citations to applicable
      state law and regulations; descriptions of processes followed by the state's supervisory authority; and data
      concerning examination, investigation, and enforcement actions.
    drafter_attestation: Verbatim (whitespace-normalized) slice of §1008.115 subsection (a) from snapshot 8be7db7ff328d57d;
      substring-verified.
  judgment: false
- id: safe-12cfr-1008.115-b
  canonical_id: safe-12cfr-1008.115-b
  section: 12 CFR §1008.115(b)
  description: 'Determination of noncompliance — (b): (b) Initial determination of noncompliance. If the Bureau
    makes an initial determination that a state is not in compliance with the S.A.F.E. Act, the Bureau will notify
    the state and will publish, in the Federal Register, a notice providing the Bureau''s initial determination
    and presenting the oppor…'
  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)
      § 1008.115
    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) Initial determination of noncompliance. If the Bureau makes an initial determination that
      a state is not in compliance with the S.A.F.E. Act, the Bureau will notify the state and will publish, in
      the Federal Register, a notice providing the Bureau's initial determination and presenting the opportunity
      for public comment for a period of no less than 30 days. This public comment period will allow the residents
      of the state and other interested members of the public to comment on the Bureau's initial determination.
    drafter_attestation: Verbatim (whitespace-normalized) slice of §1008.115 subsection (b) from snapshot 8be7db7ff328d57d;
      substring-verified.
  judgment: false
- id: safe-12cfr-1008.115-c
  canonical_id: safe-12cfr-1008.115-c
  section: 12 CFR §1008.115(c)
  description: 'Determination of noncompliance — (c): (c) Final determination of noncompliance. In making a final
    determination of noncompliance, the Bureau will review additional information that may be offered by a state
    and the comments submitted during the public comment period described in paragraph (b) of this section. If the
    Bureau makes a final…'
  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)
      § 1008.115
    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) Final determination of noncompliance. In making a final determination of noncompliance,
      the Bureau will review additional information that may be offered by a state and the comments submitted during
      the public comment period described in paragraph (b) of this section. If the Bureau makes a final determination
      that a state does not have in place by law or regulation a system that complies with the minimum requirements
      of the S.A.F.E. Act, as described in this part, the Bureau will publish that final determination in the Federal
      Register.
    drafter_attestation: Verbatim (whitespace-normalized) slice of §1008.115 subsection (c) from snapshot 8be7db7ff328d57d;
      substring-verified.
  judgment: false
- id: safe-12cfr-1008.115-d
  canonical_id: safe-12cfr-1008.115-d
  section: 12 CFR §1008.115(d)
  description: 'Determination of noncompliance — (d): (d) Good-faith effort to comply. If the Bureau makes the final
    determination described in paragraph (c) of this section, but the Bureau finds that the state is making a good-faith
    effort to meet the requirements of 12 U.S.C. 5104, 5105, 5107(d), and this subpart, the Bureau may grant the
    state a per…'
  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)
      § 1008.115
    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) Good-faith effort to comply. If the Bureau makes the final determination described in paragraph
      (c) of this section, but the Bureau finds that the state is making a good-faith effort to meet the requirements
      of 12 U.S.C. 5104, 5105, 5107(d), and this subpart, the Bureau may grant the state a period of not more than
      24 months to comply with these requirements. If an extension is granted to the state in accordance with this
      paragraph (d), then the Bureau will provide an additional initial and final determination process before it
      determines that the state is not in compliance and is subject to subparts C and E of this part.
    drafter_attestation: Verbatim (whitespace-normalized) slice of §1008.115 subsection (d) from snapshot 8be7db7ff328d57d;
      substring-verified.
  judgment: false
- id: safe-12cfr-1008.115-e
  canonical_id: safe-12cfr-1008.115-e
  section: 12 CFR §1008.115(e)
  description: 'Determination of noncompliance — (e): (e) Effective date of subparts C and E. The provisions of
    subparts C and E of this part will become effective with respect to a state for which a final determination
    of noncompliance has been made upon: (1) The effective date of the Bureau''s final determination with respect
    to the state, pursuant to…'
  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)
      § 1008.115
    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: '(e) Effective date of subparts C and E. The provisions of subparts C and E of this part will
      become effective with respect to a state for which a final determination of noncompliance has been made upon:
      (1) The effective date of the Bureau''s final determination with respect to the state, pursuant to paragraph
      (c) of this section, unless an extension had been granted to the state in accordance with paragraph (d) of
      this section; or (2) If an extension had been granted to the state in accordance with paragraph (d) of this
      section, the effective date of the Bureau''s subsequent final determination with respect to the state following
      the expiration of the period of time granted pursuant to paragraph (d) of this section.'
    drafter_attestation: Verbatim (whitespace-normalized) slice of §1008.115 subsection (e) from snapshot 8be7db7ff328d57d;
      substring-verified.
  judgment: false
