How our department monitors insurance market practices
Insurance Company Contract and Rate Filings
DIFS Prohibition Orders for Consumer Finance and Credit Union.
Licensing - Consumer Finance and Mortgage
Consumer Finance and Mortgage Forms
BIDCO and Anti-Redlining Forms.
Statutes, Rules and Regulations
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Your 2nd Mortgage License/Registration expires December 31 of each year and must be renewed on or before December 15. You will receive renewal information from the Department of Insurance and Financial Services (DIFS) with instructions on how to renew. Renewal is requested and fees are paid directly through the Nationwide Multistate Licensing System & Registry (NMLS). All surety bonds, riders, etc. are submitted through the NMLS electronic bond function. Do not submit original surety bonds, riders, or continuation certificates directly to DIFS. Failure to renew on time may prevent you from conducting mortgage transactions in Michigan and may also result in late renewal penalty fees. (Section 6a(1) and 6a(10) of the Act).
