Scenario: Phone application for pre-qualification. Pre-qualification denied. Should we be putting NMLS numbers on AAN since this is the first written correspondence with customer? That's the way I am thinking, but I have been trying to find a cite that states this.

We include NMLS numbers on Adverse notices for this very reason.

We do the same here too!

Disclosure Requirements. Section
.105(b) requires the mortgage loan
originator to provide the unique
identifier to a consumer: (i) 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.

If the AAN is the first written communication with the consumer then the MLO must provide their NMLS # with the communication.

We include it on the AAN regardless.