12 CFR Part 1007 — SAFE Act Federal Registration of Residential Mortgage Loan Originators (CFPB) § 1007.105 — Use of unique identifier

safe-12cfr-1007-105

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).

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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
    audit_question: ''
    program_review: ''
    file_review: ''
    judgment: false
    feeds: []
    workflow_phase: ''
    owner_role: ''
    secondary_owner_role: ''
    cadence: ''
    consequence: ''
    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.
  - 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
    audit_question: ''
    program_review: ''
    file_review: ''
    judgment: false
    feeds: []
    workflow_phase: ''
    owner_role: ''
    secondary_owner_role: ''
    cadence: ''
    consequence: ''
    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
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      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.

Verbatim regulatory text (2)

Verbatim provisions from 12 CFR Part 1007 — SAFE Act Federal Registration of Residential Mortgage Loan Originators (CFPB) § 1007.105 — Use of unique identifier — each quote is a verified substring of the regulator-published source snapshot, not retyped. Quoted for reference; this is not legal advice. The operational layer (P&P updates, prompts) lives in the regulation update kits.

12 CFR §1007.105(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.

Source: 12 CFR Part 1007 — SAFE Act Federal Registration of Residential Mortgage Loan Originators (CFPB) § 1007.105 · source URL · snapshot 5daf3a40bd6ddc2c

12 CFR §1007.105(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.

Source: 12 CFR Part 1007 — SAFE Act Federal Registration of Residential Mortgage Loan Originators (CFPB) § 1007.105 · source URL · snapshot 5daf3a40bd6ddc2c

Operationalizing 12 CFR Part 1007 — SAFE Act Federal Registration of Residential Mortgage Loan Originators (CFPB) § 1007.105 — Use of unique identifier

This is verbatim, source-snapshotted regulator text from the Claude for Compliance open corpus. To turn a rule like this into compliance work product: gap-analyze your policies and procedures (P&Ps) against these requirements to surface stale, conflicting, or missing provisions; operationalize any change with a ready-to-run update kit; and produce audit-ready evidence — every step grounded only in the regulator’s own words, never invented.

Source of record: https://claudeforcompliance.com/regs/safe-12cfr-1007-105/ · register safe-12cfr-1007-105 · Claude for Compliance. Free to read and download; see regulatory updates and methodology.