Consumer Credit Forms, Instructions & Laws
Forms, licenses, information on examinations and disposition fees.
What's New
- Newly applying Mortgage Loan Originator applicants will be required to take and pass the National SAFE MLO test that will include a uniform state component. Additional information is available from the CSBS. If you have any questions, please contact the Licensing Department at 603-271-8675.
- As of October, 2021 all Debt Adjusters, Retail Seller and Sales Finance and Small Loan Lenders must now apply through the NMLS for licensure. Visit the NMLS Site for more information.
- National website available to consumers to verify information on Mortgage Companies, Branch Offices and Mortgage Loan Originators
- Attention State Chartered Banks and Credit Unions
Read this information regarding the registration of your originators
Licensing of Mortgage Loan Originators
- Mortgage Loan Originator filing available on NMLS
Licensing, Registration and Annual Report Instructions and Forms
- Mortgage Banker, Mortgage Broker, or Mortgage Servicer
- Mortgage Loan Originator
- Debt Adjuster
- Money Transmitter
- Motor Vehicle Retail Sellers and Sales Finance Companies
- Non-Bank Cash Dispensing Machines
- Small Loan Lender
Examinations
- Standard Mortgage Banker / Broker Loan List Reporting Form
- Standard Mortgage Servicer Loan List Reporting Form
- Sales Finance Loan List Reporting Form
- Standard Debt Adjuster Client List
- Small Loan Lender Reporting Form
- Commonly requested Examination documents:
- Mortgage Bankers, Brokers and Servicers: SES Information Requests are similar to other states and are based on the activity conducted by the licensee.
- Money Transmitter
- Sales Finance Company
- Small Loan Lender
- Debt Adjuster
Sales Finance Disposition Fee
- 361-A:8-a,III(c) - Disposition Fee Calculation for Balloon Contracts*:
- February 1, 2024 through January 31, 2025, the disposition fee shall not exceed $482.83
- February 1, 2023 through January 31, 2024, the disposition fee shall not exceed $466.95
- February 1, 2022 through January 31, 2023, the disposition fee shall not exceed $438.45
- February 1, 2021 through January 31, 2022, the disposition fee shall not exceed $409.77
- February 1, 2020 through January 31, 2021, the disposition fee shall not exceed $404.11
- February 1, 2019 through January 31, 2020, the disposition fee shall not exceed $395.02
- February 1, 2018 through January 31, 2019, the disposition fee shall not exceed $387.65
- February 1, 2017 through January 31, 2018, the disposition fee shall not exceed $379.68
- February 1, 2016 through January 31, 2017, the disposition fee shall not exceed $371.87
- January 1, 2015 through January 31, 2016, the disposition fee shall not exceed $371.61
- January 1, 2014 through December 31, 2014, the disposition fee shall not exceed $371.31
- January 1, 2013 through December 31, 2013, the disposition fee shall not exceed $365.82
- January 1, 2012 through December 31, 2012, the disposition fee shall not exceed $358.30
- January 1, 2011 through December 31, 2011, the disposition fee shall not exceed $347.19
- January 1, 2010 through December 31, 2010, the disposition fee shall not exceed $341.72
- January 1, 2009 through December 31, 2009, the disposition fee shall not exceed $343.09
- January 1, 2008 through December 31, 2008, the disposition fee shall not exceed $330.53
- January 1, 2007 through December 31, 2007, the disposition fee shall not exceed $321.53
*In January 2023, the New Hampshire Banking Department reviewed its position with respect to whether RSA 361-A:8-a, including whether the limitation on disposition fees set forth in RSA 361-A:8-a, III(c), applies to a motor vehicle lease, as defined in RSA 361-D:1, VII (“Motor Vehicle Lease”). Based on that review, the Department’s position is that a Motor Vehicle Lease does not automatically qualify as a “balloon retail installment contract” or “balloon contract” for purposes of RSA 361-A:8-a; consequently, a Motor Vehicle Lease is not automatically subject to the limitation on disposition fees set forth in RSA 361-A:8-a, III(c). If a Motor Vehicle Lease has a balloon payment feature, it may be subject to the limitation on disposition fees set forth in RSA 361-A:8-a, III(c), depending on the terms of the lease agreement.
Laws and Regulations
- Debt Adjuster
- Money Transmitter
- Mortgage Banker, Mortgage Broker, Mortgage Servicer and Mortgage Loan Originator
- Motor Vehicle Retail Seller
- Motor Vehicle Sales Finance Company
- Small Loan Lender
- Nontraditional Mortgage Guidance