Remote Work Policies

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As the industry continues to modernize and accept the premise of remote work, states are actively issuing guidance and codifying remote work in their statutes or promulgating regulations. During the COVID-19 pandemic, MBA’s independent mortgage bank (IMB) members received permission from state regulators for their licensed staff to work outside of a licensed location in states that require members of their teams to operate from a licensed branch. These guidance documents and "no action" letters allowed the real estate finance industry to continue to function and serve consumers during a time of national crisis.

The pandemic also forced both the industry and regulators to rethink and change their operational models. Given this experience, MBA believes the time is right for state policymakers and the IMBs they supervise to review and reconsider the future of state licensing and apply lessons learned. While the broader movement to enact the allowance of remote work was ignited by the response to the pandemic, these changes help prepare the industry and regulators for future uncertainties, such as regional natural disasters or national emergencies, and allow for greater flexibility which translates to increased availability for consumers.

To help facilitate these changes, MBA has released proposed model language to permit flexibility in statute and rules while maintaining all consumer and data protection standards. So far, the model language has been adopted by 30 states + DC, and MBA continues to work on modernizing the remaining state statutes and codes. In addition to the model language, MBA’s talking points, FAQs and issue brief are also available.

The map below provides insight into which states allow a form of remote work, including those who adopted MBA’s model language. Some states have enacted statute to allow remote work, but may be awaiting regulations. 

Licensing Flexibility by State


Remote Work Allowed
Temporary Guidance in Place
Active Legislation or Rules in Progress
Remote Work Not Allowed

Recent Activity Related to State Licensing Flexibility/Remote Work Policies

  • April 29, 2024: Oklahoma Governor Stitt signs SB 1492 allowing remote work for MLOs
  • April 26, 2024: Nevada releases proposed remote work regulations
  • April 10, 2024: Iowa Governor Reynolds signs HF 2392 allowing remote work for MLOs
  • March 26, 2024: West Virginia Governor Justice signed SB 613 which allows MLOs to work at alternative locations for "limited periods of time"
  • February 8, 2024: Iowa introduces HF 2392, which allows MLOs to work remotely
  • January 31, 2024: West Virginia introduced SB 613, House companion bill, HB 5419, was introduced February 2nd. These bills would allow MLOs to work remotely. 
  • December 15, 2023: Oklahoma introduced SB 1492. Would amend law to allow MLOs to work from a remote location.
  • June 30, 2023: Illinois Governor Pritzker signed HB 2325, enacting remote work provisions for IL licensed MLOs.
  • June 15, 2023: Nevada Governor signs SB 355, legislation that includes language to permit remote work for MLOs. The language used in SB 355 was the original text from the stand alone bill AB 298. 
  • June 9, 2023: Illinois legislature passes legislation HB 2325, which includes provisions to allow MLOs to work remotely. The bill awaits Governor action which is expected by the end of the summer.
  • June 6, 2023: Nebraska remote work language added to larger banking provision bill (LB 92) is enacted. This bill includes language to allow the Nebraska Department of Banking and Finance to promulgate rules to permit remote work. Further details of how remote work will be permitted will be included in the rule making. 
  • May 24, 2023: Floridan Governor Ron DeSantis signs remote work legislation (HB 1185). This bill has an effective date of 7/1/2023.
  • May 4, 2023: Florida legislature approves legislation (HB 1185) permitting remote work for licensed MLOs. Legislation awaits the signature of Governor Ron DeSantis.  
  • March 26, 2023: Virginia Governor signs bill (HB-2389) to enact remote work in the Commonwealth.
  • March 14, 2023: Nevada Assembly introduces legislation (AB 284) to allow the business of mortgage companies to be conducted from a remote location under certain circumstances.  
  • March 7, 2023: Virginia Senate passes legislation (HB 2389) to revise remote location requirements for mortgage lending and brokerage entities, as well as independent contractors.
  • March 1, 2023: Florida legislation (SB 1398/ HB 1185) permitting remote work for licensed MLOs introduced. See section 1 on page 3.
  • February 27, 2023: California DFPI issues guidance to clarify position on remote work and thus permitting it.
  • February 17 2023: Illinois HB 3487 introduced. Would amend law to allow MLOs to work from a remote location (see paragraph (bbb) on page 26).
  • February 16, 2023: Montana enacts legislation (HB 30) to permit remote work.
  • January 17, 2023: Bill (HB2389) permitting remote work introduced in Virginia Legislature. 
  • January 10, 2023: Nebraska Legislature introduces bill (LB214) to give the Nebraska Department of Banking and Finance the authority to promulgate rules allowing remote work. (Provisions in this measure were added to LB 92, enacted June 6, 2023). 
  • November 23, 2022: Washington D.C. Department of Insurance Securities and Banking (DISB) issued a bulletin that outlines their guidance for mortgage loan originators (MLOs) to work away from a licensed branch location. 
  • December 2, 2022: Bill (HB-30, see section 7) introduced in Montana contains remote work authorization.
  • September 20, 2022: Oregon Department of Consumer and Business Services Finance and Securities Regulation Promulgates Rules to Permit Remote Work. Effective October 1, 2022.
  • June 29, 2022: Rhode Island enacts remote work legislation (H7881) in state.
  • June 14, 2022: Ohio Governor DeWine signs legislation (S 264) to permit remote work.
  • June 7, 2022: American Association of Residential Mortgage Regulators (AARMR) releases "Best Practices for Permitting Employees to Work Remotely" guidance. Document provides state regulators with principles for implementing remote work policies for mortgage loan originators (MLOs).
  • June 1, 2022: Wyoming Division of Banking issues memo stating their position on regulated activities happening away from a licensed location.
  • April 25, 2022: Kansas Governor signs bill (HB 2568) to permanently permit remote work.
  • April 8, 2022: Kentucky Governor Andy Beshear signs legislation (HB 643) to allow MLOs to work remotely.
  • April 8, 2022: Tennessee Legislation (HB 2304) to allow remote work becomes law.
  • March 18, 2022: South Dakota Governor signs legislation (HB 1271) to allow remote work.
  • March 16, 2022: Oklahoma DOCC extends remote work guidance to December 31, 2022.
  • February 28, 2022: MBA of Arkansas sends letter to National Governors Association Chair, Asa Hutchinson, urging him to promote remote work to his colleagues.
  • February 3, 2022: Pennsylvania Governor Wolf signs legislation (HB1588) that permits MLOs to work away from a licensed branch location.
  • January 31, 2022: MBA's Kobie Pruitt testifies in support of Kansas remote work legislation (HB 2568) that is consistent with MBA model state law and regulations.
  • January 1, 2022: Idaho Department of Finance issued guidance that permits remote work. 
  • December 29, 2021: West Virginia DFI extends remote work guidance to June 1, 2022.
  • December 8, 2021: Rhode Island Department of Business Regulation makes  August remote work guidance permanent.
  • November 4, 2021: Texas implements remote work guidance.
  • October 14, 2021: South Dakota  extends interim guidance to June 30, 2022.
  • August 23, 2021: Washington postpones final rules to implement new law, extending interim guidance to permit remote work until end of 2021.
  • August 6, 2021: Wisconsin Department of Financial Services (DFI)  extends remote work guidance, effective October 15, 2021. Important Note: "The mortgage banker, broker, or registered entity sponsoring the mortgage loan originator must notify the Division by sending an email to [email protected]. No response will be issued to the email submission due to the no-action position."
  • July 29, 2021: New Hampshire Banking Department clarifies position on remote work.
  • July 26, 2021: Iowa Division of Banking  issues guidance to allow remote work.
  • July 12, 2021: Massachusetts Office of Consumer Affairs and Business Regulation released written guidance indefinitely extending remote work flexibilities for licensed staff of nonbank lenders. The Division also clarified that licensed MLOs are not required to live within a certain distance of a branch office. 
  • July 1, 2021: Connecticut Banking Department issues remote work guidance.
  • June 29, 2021: MBA  urges state mortgage regulator and governor associations to collaborate on extending MLO remote work flexibilities. 
  • June 24, 2021: Pennsylvania bill enabling remote work has been referred to the House Banking and Insurance Committee. 
  • June 23, 2021: Connecticut Governor signs senate omnibus bill with language that orders banking commissioner to establish remote work processes.
  • June 17, 2021: Rhode Island House passes legislation that would allow remote work flexibilities. 
  • June 9, 2021: Kansas OMBA announces that it will extend remote work guidance through July 1, 2022, committing to working with legislature to make guidance permanent.
  • May 12, 2021: Vermont enacts legislation permitting remote work.
  • April 9, 2021: Maryland adopts rules allowing remote work as proposed on January 29, 2021 (see below).
  • April 7, 2021: Washington Governor signs legislation to provide remote work flexibilities.
  • March 21, 2021: Arkansas passes legislation that enables the secretary of state to promulgate rules allowing remote work.
  • February 26, 2021: MBA and MMBBA comment on Maryland Department of Labor's proposed rules for remote work.
  • February 17, 2021: MBANow discussion of MBA's new model bill and regulation to broadly modernize state licensing requirements for state licensed companies and their licensed staff.
  • February 16, 2021: MBA Newslink, "MBA Launches Licensing Flexibility Campaign with State Partners"
  • January 29, 2021: Maryland Commissioner of Financial Regulation proposes remote work regulation.
  • January 28, 2021: MBA hosts meeting to discuss remote work campaign for state partners.
  • January 19, 2021: Legislation introduced in Arkansas would give state regulator authority to promulgate rules.
  • January 11, 2021: Washington introduces legislation to allow licensed MLOs to work from home.
  • January 1, 2021: Nebraska extends remote work guidance through December 31, 2021.
  • December 15, 2020: Minnesota Commerce Department issues sweeping "Non-Depository Financial Institution Telework Guidance."
  • October 15, 2020: MBA campaign message to state and local associations, seeking work from home policy extensions. 
  • August 25, 2020: Conference of State Bank Supervisors Non-Depository Supervisory Committee releases  memorandum urging licensing flexibility.
  • July 24, 2020: MBA penned a letter to CSBS on remote work flexibility for state licensees.


Related MBA Now Video: William Kooper Provides Update on Remote Work Campaign

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