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HRS §412:9-501

When a loan company must register with the mortgage licensing system

This section says that a nondepository financial services loan company is not automatically a mortgage loan originator company. But if any of its employees or independent contractors act as mortgage loan originators, processors, or underwriters, the company must register with the Nationwide Multistate Licensing System (NMLS). Registering does not exempt those individuals from getting their own licenses.

employeesemployersfinancial institutions

The statute, as written — Registration of nondepository financial services loan companies with NMLS

(a) A nondepository financial services loan company licensed under this chapter is not a mortgage loan originator company as defined in section 454F-1. (b) A nondepository financial services loan company shall register with NMLS if any employee of the nondepository financial services loan company acts as a mortgage loan originator as defined in section 454F-1 or if the nondepository financial services loan company uses the services of an exclusive independent contractor mortgage loan originator, or loan processor or underwriter, as defined in chapter 454F. (c) This section does not exempt an employee of a nondepository financial services loan company who originates mortgage loans, or an independent contractor providing mortgage loan originating, processing, or underwriting services to a nondepository financial services loan company, from licensure under chapter 454F.
Read the official text at capitol.hawaii.gov ↗as published Jan 6, 2026our copy taken Aug 20, 2026

Sections this one refers to

§454F-1 Definitions for Mortgage Loan Rules

LawTrove is not legal advice. The summary above is a computer-generated restatement — the authoritative text is the official version linked above.