Florida OFR Form 494.0014 is the Disclosure Questions Form required by the Florida Office of Financial Regulation (OFR) under Chapter 494, Florida Statutes, and any individual or company seeking a mortgage loan originator, mortgage broker, or mortgage lender license in Florida must complete it as part of the NMLS application process. The form forces applicants to give a sworn, detailed explanation of every “Yes” answer they checked on the MU1, MU2, MU3, or MU4 disclosure questions, and a missing or vague answer is the single fastest way to get an application deficient.
The Florida OFR processed more than 78,000 mortgage license applications and renewals through the NMLS in the most recent reporting cycle, and roughly 1 in 5 first-time applications were flagged “deficient” for disclosure-related issues, most of them tied to incomplete 494.0014 attachments. This article walks you through the form line by line, with named examples, real scenarios, and the exact filing path through NMLS Resource Center and the Florida OFR REAL System.
Here is what you will learn:
- 📝 What every box, line, and signature block on Form 494.0014 actually asks, in plain English.
- 📂 The exact documents, dates, and disclosures you must gather before you open the form.
- 🧭 How to file through NMLS, by mail, or in person, with current fees and processing times.
- 🚫 The 10 most common mistakes that get 494.0014 attachments rejected, and how to avoid each one.
- 💡 Three full filled-out examples covering an individual loan originator, an out-of-state transfer, and a mortgage broker entity.
What Form 494.0014 Is and Who Must File It
Florida OFR Form 494.0014, titled “Disclosure Questions Form (Chapter 494, F.S.),” revision date 04/2024, is the official Florida-specific disclosure attachment that supplements the disclosure questions on the NMLS uniform forms. The form is required by Rule 69V-40.0113, F.A.C., which directs the OFR to collect a written explanation for every disclosure “Yes” answer on the MU1 (company), MU2 (control person), MU3 (branch), or MU4 (individual) record.
You must file Form 494.0014 if you fall into any of these groups. Individual mortgage loan originators (MLOs) applying for a Florida license under Section 494.00312, F.S., must file it whenever they answer “Yes” to any disclosure question on the MU4. Mortgage broker entities applying under Section 494.0031, F.S., file it as part of the MU1 record. Mortgage lender entities applying under Section 494.00611, F.S., file it as part of their MU1 record as well. Control persons listed on the MU2 must file it when they have any criminal, civil, regulatory, financial, or customer-complaint disclosure to explain.
The form solves a specific problem. The NMLS disclosure questions on the MU forms are short yes/no checkboxes, and the OFR cannot lawfully approve a license without understanding the facts behind every “Yes.” The 494.0014 is where those facts live. If you skip it, the OFR sends a deficiency letter through NMLS and your file sits frozen until you respond, which can add 30 to 90 days to your wait time.
Before You Start: Documents and Information You Need
Gather everything below before you open the form. Each item matters because the form requires sworn, dated, court-or-agency-verified detail, and missing one piece almost always triggers a deficiency.
- Government-issued photo ID with your full legal name as it appears on your Social Security card, because the OFR cross-checks names against SSA and FBI records, and a mismatch triggers a fingerprint hold.
- Your NMLS Unique ID number (sometimes called your “NMLS ID”), because the form must be linked to your specific NMLS record or it cannot be matched to your application.
- Certified copies of any criminal disposition documents, including charging documents, plea agreements, judgments, sentencing orders, and proof of completion, because the OFR will reject an explanation that is not backed by certified court records.
- Civil judgment or lawsuit records, including the complaint, answer, and final judgment or settlement, because civil disclosures must be supported by docket-stamped copies.
- Regulatory action orders from any state or federal agency (SEC, FINRA, state insurance, state real estate, CFPB, HUD), because regulatory disclosures require the underlying consent order or final order, not just a summary.
- Bankruptcy schedules and discharge order from PACER, because the OFR wants the case number, chapter, filing date, and discharge date with the discharge order attached.
- Unpaid judgment or tax lien documentation, including the lien recording and any payment plan, because outstanding financial liens must show current status, not just historic filing.
- Customer complaint files, including the original complaint, your written response, and any settlement, because customer-initiated disclosures require both sides of the story.
- Termination letters or “for cause” employment separation documents, because employment-related disclosures must show the employer’s stated reason in writing.
- A current credit report pulled through NMLS, because some financial disclosures cross-reference items the credit report flags automatically.
Where to Get the Form and How to Access It
The official, fillable PDF of Form 494.0014 is hosted on the Florida OFR’s Mortgage Industry Forms page. Always download a fresh copy at the start of every application, because the OFR updates the revision date footer when statute or rule changes occur, and an outdated revision can be rejected on its face.
You can also reach the form through the NMLS Florida State Licensing Requirements checklist, which links directly to the current OFR PDF under the “Disclosure Explanations” requirement. NMLS does not host the PDF itself; it only links to the OFR. If you find the form on a third-party site, do not use it, because outdated copies still circulate and the OFR will reject them.
The form is a fillable Adobe PDF. Open it in Adobe Acrobat Reader, not in a web browser, because browser PDF viewers often fail to save typed text into the form fields. After completing it, you will save it as a flattened PDF and upload it to the Document Uploads section of your NMLS record under the “Disclosure Explanations” document type. Florida OFR specifically requires the document type “Disclosure Explanations – FL,” and using the wrong tag will cause the system to skip the file during the OFR’s automated intake.
If you cannot access the PDF for any reason, the OFR’s Mortgage Licensing Section will email a copy on request. Call (850) 487-9687. Do not retype the form yourself, because the OFR matches your submission to the official PDF’s field structure.
Step-by-Step: How to Fill Out Form 494.0014 Line by Line
The form has a header block, a disclosure-question grid, an explanation narrative section, an attachments list, and a sworn signature block. Complete each section in order. Use black ink if you print the form, or type directly into the fillable PDF.
Field 1: Applicant’s Full Legal Name
This field asks for your complete legal name, exactly as it appears on your Social Security card and your NMLS MU4 (individual) or MU1 (entity) record. Type your first name, middle name, and last name in the order shown on your Social Security card. Do not use nicknames, initials only, or married/maiden hybrids unless those appear on the SSA record.
For example, Maria Elena Lopez-Rivera writes her name as Maria Elena Lopez-Rivera, not Maria Lopez or Maria E. Lopez. If your name on NMLS includes a suffix such as Jr. or III, include it here exactly as on NMLS.
A common nuance is hyphenated last names. If your SSA record shows the hyphen but your driver’s license dropped it, follow the SSA version, because the FBI fingerprint check runs against SSA. The most common mistake here is entering a preferred name; the consequence is a name-mismatch deficiency that can delay approval by two to four weeks. The misconception is that NMLS “Other Names” entries replace the legal name in this box; they do not, and only the legal name belongs in Field 1.
Field 2: NMLS Unique ID Number
This field asks for the numeric ID assigned to you or your company by NMLS. Enter the digits only, with no letters, no spaces, and no leading zeros unless NMLS issued them. The number is six to eight digits for individuals and companies alike.
For example, Carlos Mendez, an individual MLO, writes 1845207 in this box. A mortgage broker entity such as Sunshine Mortgage Group, LLC would enter its company NMLS ID, like 2310455.
A nuance applies if you are filing for both an individual MLO license and a control-person record on a company; you file two 494.0014 forms, one per NMLS ID. The most common mistake is entering an old NMLS ID from a prior employer’s sponsorship; the consequence is that the disclosure attachment lands on the wrong record. The misconception is that NMLS IDs change when you switch employers. They do not. Your NMLS ID is permanent.
Field 3: License Type Being Requested
This field asks which Florida license you are applying for. Check exactly one box: Mortgage Loan Originator, Mortgage Broker, Mortgage Broker Branch, Mortgage Lender, Mortgage Lender Branch, or Mortgage Lender Servicer. The categories track the license types defined in Section 494.001, F.S.
For example, Janet Pierce, applying for her first individual loan originator license, checks Mortgage Loan Originator. Sunshine Mortgage Group, LLC, applying for an entity license, checks Mortgage Broker.
A nuance is the “Mortgage Lender Servicer” endorsement; it is not a separate license but an add-on under Section 494.00611(2), F.S., and it requires its own checkbox plus a separate 494.0014 if the disclosure facts differ. The most common mistake is checking two boxes at once, which the OFR treats as an unsigned application. The misconception is that branch managers file under “Mortgage Loan Originator”; they file under their personal MLO license, but the branch itself files a separate 494.0014 under Mortgage Broker Branch or Mortgage Lender Branch.
Field 4: Disclosure Question Reference Grid
This section asks you to identify which MU1, MU2, MU3, or MU4 disclosure questions you answered “Yes” to. The grid lists every disclosure question by letter and number (for example, (A) Criminal Disclosure 1, (B) Regulatory Action 2, (K) Financial Disclosure 1). Place a checkmark next to every disclosure where you answered “Yes” on the related MU form.
For example, Carlos Mendez checked “Yes” to MU4 Question (K)(1) about an unpaid civil judgment, so he places a checkmark next to (K)(1) Civil Judgment on the grid.
A nuance is “Yes by association” disclosures on the MU2; if you are a control person and your firm has a regulatory action, you may answer “Yes” to a question that is technically about the firm. Check the grid item that matches the MU2 question wording, not the MU1 wording. The most common mistake is checking the grid based on memory rather than pulling up the actual MU form; the consequence is that your narrative and the grid will not align, which is an automatic deficiency. The misconception is that one checkmark covers multiple disclosures; each “Yes” gets its own checkmark and its own narrative section below.
Field 5: Narrative Explanation Section
This section is the heart of the form. For each disclosure you checked in Field 4, write a separate, dated narrative that includes: the date of the event, the name and address of the court or agency, the case or docket number, the original charge or claim, the disposition or current status, the date of the disposition, and a plain-English summary of what happened. Each narrative must end with the words “See attached certified records.”
For example, Carlos Mendez writes: “On 04/12/2019, a civil judgment was entered against me in Orange County Civil Court, Case No. 2019-CC-004215, for unpaid credit card debt of $4,820 owed to Capital One Bank. I entered a payment plan on 06/15/2019 and satisfied the judgment in full on 11/02/2022. A Satisfaction of Judgment was recorded at OR Book 21105, Page 4422. See attached certified records.”
A nuance applies to sealed or expunged records. Even if a Florida court sealed your record under Section 943.045, F.S., you must still disclose it to the OFR under Section 494.00312(8), F.S., because the licensing exemption from disclosure does not apply to financial-services licensure. The most common mistake is writing a one-sentence summary like “DUI in 2015, dismissed.” The consequence is a deficiency demand for the full court record, plus a 30-day clock to respond. The misconception is that an old or minor incident does not require detail. It does. There is no de minimis disclosure rule under Chapter 494.
Field 6: List of Attached Supporting Documents
This field asks you to list every document attached to the form. Number each attachment, label it by type, and reference the disclosure narrative it supports (for example, “Attachment 1: Certified copy of Final Judgment, Case No. 2019-CC-004215, supports narrative for (K)(1) Civil Judgment”).
For example, Janet Pierce, who is disclosing a 2017 misdemeanor and a 2018 bankruptcy, lists: “Attachment 1: Certified court disposition, Pinellas County Case No. 2017-MM-019884; Attachment 2: PACER-stamped Chapter 7 discharge order, Case No. 8:18-bk-09112-MGW.”
A nuance is multi-document attachments. Combine a single disclosure’s records into one PDF and label it as one attachment, not several, because NMLS limits the number of files but not file length. The most common mistake is uploading attachments without listing them in Field 6; the OFR analyst will not hunt for them. The misconception is that NMLS automatically links attachments to your narrative. It does not. The 494.0014 is the index that ties them together.
Field 7: Applicant Sworn Statement
This block contains the sworn affirmation language: “Under penalty of perjury under the laws of the State of Florida, I declare that the foregoing is true and correct.” You sign and date below this block. By signing, you are giving the OFR the right to rely on your statements under Section 837.06, F.S., and false statements can support both license denial and criminal prosecution.
For example, Carlos Mendez signs his name and dates the form 05/12/2026. The signature must be a wet-ink signature on a printed page, or a digital signature applied through Adobe Sign or an equivalent tool that creates an audit trail.
A nuance is electronic signatures. NMLS accepts a typed-name signature inside the fillable PDF only if the form is flattened and uploaded with a digital signature certificate. A typed name without a certificate is treated as unsigned. The most common mistake is uploading a scanned, unsigned form because the applicant printed it but forgot to sign. The consequence is automatic deficiency. The misconception is that NMLS’s “attestation” at submission covers Field 7. It does not. The 494.0014 attestation is separate and Florida-specific.
Field 8: Notary Acknowledgment
This block is completed by a notary public. The notary fills in the state, county, date, the applicant’s printed name, the form of identification reviewed, and the notary’s signature, seal, and commission expiration date. Florida accepts both in-person and remote online notarization (RON) under Section 117.201, F.S.
For example, Carlos Mendez visits a UPS Store notary in Orlando. The notary writes “State of Florida, County of Orange,” checks his Florida driver’s license, signs, stamps, and lists her commission expiration as 03/15/2028.
A nuance is out-of-state notarization. If you live outside Florida, any U.S. notary commissioned in your home state can notarize the form, but the notary block must conform to that state’s wording. The most common mistake is missing the notary seal; the consequence is rejection on intake. The misconception is that NMLS’s identity verification replaces notarization. It does not. The 494.0014 must be physically or digitally notarized.
Three Filled-Out Examples Using Real Scenarios
Scenario 1: Carlos Mendez, First-Time Individual Loan Originator
Carlos is a 32-year-old applying for his first Florida MLO license after completing his 20-hour SAFE pre-licensure education and passing the National SAFE Test. He has one disclosure: a 2019 unpaid civil judgment that he later satisfied.
| Form Section | What Carlos Enters |
|---|---|
| Field 1: Full Legal Name | Carlos Antonio Mendez |
| Field 2: NMLS Unique ID | 1845207 |
| Field 3: License Type | Mortgage Loan Originator |
| Field 4: Disclosure Grid | Checkmark next to (K)(1) Civil Judgment |
| Field 5: Narrative | “04/12/2019 civil judgment, Orange County Case No. 2019-CC-004215, $4,820 to Capital One; satisfied 11/02/2022. See attached certified records.” |
| Field 6: Attachments | Attachment 1: Certified Final Judgment; Attachment 2: Recorded Satisfaction of Judgment |
| Field 7: Signature | Wet-ink signature, dated 05/12/2026 |
| Field 8: Notary | Orange County, FL notary, commission expires 03/15/2028 |
Scenario 2: Aisha Robinson, Out-of-State MLO Transitioning to Florida
Aisha is a licensed MLO in Georgia moving to Tampa. She has a 2017 misdemeanor (disorderly conduct, adjudication withheld) and a 2018 Chapter 7 bankruptcy. She is applying for a Florida MLO license under Section 494.00312, F.S.
| Form Section | What Aisha Enters |
|---|---|
| Field 1: Full Legal Name | Aisha Marie Robinson |
| Field 2: NMLS Unique ID | 1102994 |
| Field 3: License Type | Mortgage Loan Originator |
| Field 4: Disclosure Grid | Checkmarks next to (A)(1) Criminal and (K)(2) Bankruptcy |
| Field 5: Narrative | Two separate paragraphs, one per disclosure, each dated and case-numbered |
| Field 6: Attachments | Attachment 1: Pinellas County certified disposition; Attachment 2: PACER Chapter 7 discharge order |
| Field 7: Signature | Adobe-signed digital signature, dated 05/14/2026 |
| Field 8: Notary | Remote Online Notarization (RON) under Section 117.201, F.S. |
Scenario 3: Sunshine Mortgage Group, LLC, Mortgage Broker Entity
Sunshine Mortgage Group is a Florida LLC applying for its first mortgage broker license under Section 494.0031, F.S. The company itself has no disclosures, but its 60% owner and CEO has a 2014 FINRA suspension that ended in 2015.
| Form Section | What Sunshine Enters |
|---|---|
| Field 1: Full Legal Name | Sunshine Mortgage Group, LLC |
| Field 2: NMLS Unique ID | 2310455 |
| Field 3: License Type | Mortgage Broker |
| Field 4: Disclosure Grid | Checkmark next to (D)(1) Regulatory Action – Affiliated Person |
| Field 5: Narrative | Description of CEO’s 2014 FINRA Letter of Acceptance, Waiver and Consent, AWC No. 2014041558901 |
| Field 6: Attachments | Attachment 1: FINRA AWC; Attachment 2: Proof of suspension end date |
| Field 7: Signature | Wet-ink signature of the LLC’s manager, dated 05/16/2026 |
| Field 8: Notary | Hillsborough County, FL notary |
How to File the Completed Form
Florida OFR accepts Form 494.0014 through three filing channels, but the NMLS upload is the primary path and the only one used for new applications.
NMLS upload (primary). Log into NMLS using your NMLS account credentials, open your MU1 or MU4 record, navigate to Document Uploads, and select the document type “Disclosure Explanations.” Upload the flattened, signed, and notarized PDF. There is no separate fee for the upload itself, but the underlying Florida MLO application fee is $195 plus the NMLS processing fee of $30 and the FBI/FDLE fingerprint fees totaling $36.25. Pay through NMLS by credit card (Visa, MasterCard, American Express, Discover) or ACH from a U.S. bank account. Processing time runs 30 to 60 days. Keep the NMLS upload confirmation number as your proof of filing.
Mail (only when NMLS upload fails). If NMLS rejects the file size or format, mail the original to Florida Office of Financial Regulation, Division of Consumer Finance, 200 East Gaines Street, Tallahassee, FL 32399-0376. Include a cover letter referencing your NMLS ID. There is no additional fee for mailed submissions, but mailed filings add 10 to 15 days to processing. Keep the USPS Certified Mail receipt as your proof of filing.
In-person (rare). Walk-in submissions are accepted at the same Tallahassee address, Monday through Friday, 8:00 a.m. to 5:00 p.m. Eastern. Bring two copies so you can have one date-stamped and returned to you as your proof of filing. There is no fee for the walk-in itself.
What Happens After You File
After upload, the OFR’s automated intake matches your 494.0014 to your NMLS record within 24 to 48 hours. A licensing analyst then opens your file and compares each narrative to the underlying MU disclosure answers. If everything aligns and your attachments are complete, the analyst clears the disclosure portion of your application and moves to other items such as fingerprints, education, testing, and credit report review.
If the analyst finds a gap, you receive an electronic “License Item” in your NMLS task list with a 30-day response deadline. Common license items include requests for certified court records, more detail in a narrative, or a re-notarized form. Failing to respond within 30 days can lead to denial under Rule 69V-40.0011, F.A.C.
Once all license items clear and your application is approved, the OFR posts your license status to NMLS Consumer Access and to the Florida OFR REAL System. You receive an approval email, and you are licensed effective the date shown in NMLS. Your renewal cycle then runs annually with a deadline of December 31, with a reinstatement window through the last day of February.
Mistakes to Avoid When Filling Out the Form
- Skipping the form entirely because all disclosure answers were “No” — but the form is also required when the OFR specifically asks for it during review.
- Using an outdated revision of the PDF, which leads to automatic rejection because field labels do not match the OFR’s intake script.
- Entering a preferred name in Field 1 instead of the SSA legal name, causing a fingerprint mismatch.
- Listing the wrong NMLS ID in Field 2, which routes the form to the wrong record and stalls processing.
- Checking two license-type boxes in Field 3, which the OFR treats as defective on its face.
- Missing a checkmark in the disclosure grid in Field 4, leaving the analyst no roadmap to your narratives.
- Writing one-line narratives in Field 5, triggering a request for certified records and detailed facts.
- Forgetting to list attachments in Field 6, causing the analyst to overlook them entirely.
- Submitting an unsigned or typed-only signature in Field 7, which is treated as no signature at all.
- Missing the notary seal or commission expiration in Field 8, leading to outright rejection.
- Uploading the form under the wrong NMLS document type, sending it to a folder the OFR does not check.
- Failing to disclose a sealed or expunged record, which can be charged as a willful misrepresentation.
Do’s and Don’ts
Do’s
- Do download a fresh PDF every time, because revision dates change and old versions get rejected.
- Do match every “Yes” on your MU form to a separate narrative, because each disclosure is a separate question to the OFR.
- Do attach certified, court-stamped records, because uncertified copies do not satisfy Rule 69V-40.0113.
- Do flatten the PDF before uploading, because non-flattened PDFs corrupt during NMLS intake.
- Do keep a personal copy with the notary seal visible, because you may need it for future state applications.
- Do respond to license items within 30 days, because missing the deadline can convert deficiency into denial.
Don’ts
- Don’t use NMLS “Other Names” data in Field 1, because only the SSA legal name belongs there.
- Don’t combine multiple disclosures in one narrative, because the OFR analyst tracks them separately.
- Don’t omit sealed or expunged records, because Chapter 494 overrides the general sealing statute.
- Don’t sign before notarization, because the notary must witness the signature in real time (or via RON).
- Don’t email the form to the OFR analyst directly, because email attachments are not added to the NMLS record.
- Don’t assume silence is approval, because pending applications can sit indefinitely until you check NMLS.
Pros and Cons of Filing on Your Own vs. With Help
Pros of filing on your own
- Lower cost, because you avoid attorney or compliance-consultant fees that range from $500 to $2,500.
- Faster turnaround on simple files, because you control the timeline directly.
- Direct knowledge of your facts, because you do not have to brief a third party.
- Builds compliance literacy, because you learn Chapter 494 firsthand.
- Total control of narrative wording, because you write in your own voice.
Cons of filing on your own
- Higher risk of deficiency, because pro se filers miss subtle disclosure triggers.
- Limited access to redaction strategy, because attorneys know what to leave in and what to leave out.
- No privilege over communications, because anything you write to the OFR is discoverable.
- Time-intensive document gathering, because certified records can take weeks to obtain.
- No experienced eye on red flags, because some disclosures (FINRA AWCs, sealed records) require a careful approach.
How Form 494.0014 Compares to NMLS Disclosure Explanations
| Topic | Form 494.0014 vs. Generic NMLS Disclosure Explanation |
|---|---|
| Legal authority | Required by Rule 69V-40.0113, F.A.C. for Florida only |
| Notarization | Florida requires notarization; generic NMLS explanation does not |
| Format | OFR-issued fillable PDF with fixed fields; NMLS allows free-form letters |
| Attachments | Must be listed in Field 6 with cross-references to narratives |
| Sworn statement | Includes Section 837.06, F.S. perjury attestation |
| Filing channel | Uploaded under “Disclosure Explanations – FL” tag |
| Signature | Wet-ink or certificate-based digital signature only |
| Use across states | Florida-only; cannot be reused for other state licenses |
Key Agencies and Statutes That Interact With This Form
The Florida OFR is the licensing agency, operating under Chapter 494, Florida Statutes and Rule Chapter 69V-40, F.A.C.. The OFR delegates the application platform to NMLS, which is administered by the Conference of State Bank Supervisors under federal authority granted by the SAFE Mortgage Licensing Act, 12 U.S.C. §5101. The FBI conducts the criminal background check using fingerprints submitted through NMLS to the FDLE. Florida courts and out-of-state courts produce the certified disposition records that support each narrative. PACER produces the federal bankruptcy records. FINRA’s BrokerCheck is often cross-referenced for securities-related disclosures, and the CFPB’s enforcement database is checked for federal consumer-finance actions.
FAQs
Do I need to file Form 494.0014 if I have no disclosures?
No. If you answered “No” to every disclosure question on your MU1, MU2, MU3, or MU4, the form is not required at submission, though the OFR may request it later if review reveals an unreported issue.
Is Form 494.0014 used in any state besides Florida?
No. The form is a Florida-specific attachment authorized by Rule 69V-40.0113, F.A.C., and other states use their own disclosure-explanation forms or accept free-form NMLS letters.
Can I e-sign Form 494.0014?
Yes. Florida accepts certificate-based digital signatures (Adobe Sign, DocuSign) when paired with Remote Online Notarization under Section 117.201, F.S. A typed name without a certificate is not a signature.
Do I write my maiden name or married name in Field 1?
Yes, write whichever name appears on your Social Security card today. List the prior name in NMLS “Other Names,” but Field 1 must match SSA exactly to clear the FBI fingerprint match.
What if I have an old DUI that was sealed under Florida law?
Yes, you must still disclose it. Section 494.00312(8), F.S., overrides the general record-sealing statute for mortgage-licensure purposes, and nondisclosure is treated as a willful misrepresentation.
Do I list multiple cases under one checkmark in Field 4?
No. Each “Yes” disclosure gets its own checkmark in the grid and its own narrative paragraph in Field 5. Combining cases is the most common deficiency the OFR flags.
Can my attorney sign the form for me?
No. The applicant must sign personally because the sworn statement uses the perjury language of Section 837.06, F.S., and only the applicant has firsthand knowledge of the facts disclosed.
How long does the OFR take to review a 494.0014?
Yes, expect 30 to 60 days for the disclosure portion of a complete application. Files with multiple disclosures or sealed records can run 60 to 90 days.
What is the fee to file Form 494.0014?
No separate fee applies to the form itself. The base Florida MLO application fee is $195, the NMLS processing fee is $30, and FBI/FDLE fingerprints add $36.25.
Do I need to file a new form for renewal each year?
No. Renewals do not require a new 494.0014 unless you have a new disclosure since your last filing. New disclosures must be reported within 30 days under Rule 69V-40.0113(2), F.A.C.
What if my notary block is from another state?
Yes, out-of-state notarization is accepted as long as the notary is commissioned in the United States and follows the wording rules of the notary’s home state. The seal and commission expiration must be visible.
Do I need to attach the criminal court record if charges were dropped?
Yes. Even dropped or nolle prossed charges require a certified disposition document from the court, because the OFR must verify the disposition independently.
What happens if I miss the 30-day license-item deadline?
No automatic extension is granted. Missing the deadline allows the OFR to issue a Notice of Intent to Deny under Rule 69V-40.0011, F.A.C., though you may request a hearing under Section 120.57, F.S.
Can I amend a 494.0014 after I submit it?
Yes. Upload a corrected, re-notarized version under the same NMLS document type and add a cover note explaining what changed. The OFR will replace the prior version in your record.
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