Air Servicing
Kaskuser Kiss
For requests for information and notices of error regarding your account, please use the address Shellpoint has designated under the Real Estate Settlement and Procedures Act and Regulation X for this purpose:
Request for Information: A request for information is a written request (other than a notice on a payment coupon or other payment medium supplied by the servicer) relating to the servicing of the mortgage loan that includes: (1) your name, (2) information that allows us to identify your mortgage account and (3) the information you are requesting regarding your account.
Notice of Error: A notice of error is written request (other than a notice on a payment coupon or other payment medium supplied by the servicer) that asserts a certain specified error that includes: (1) your name, (2) information that allows us to identify your mortgage account and (3) the error you believe occurred relating to the servicing of the mortgage account.
Untimely Requests: A request for information or notice of error is not considered timely if the written correspondence is received more than one year after either the date of transfer of servicing or the date the mortgage account was discharged (either paid in full or discharged through foreclosure or a deed in lieu of foreclosure or a short sale without full satisfaction of the underlying contractual obligation). Please note a mortgage servicer is not obligated to respond to an untimely request for information or notice of error.
If you reside in an area impacted by a federally-declared disaster, you may qualify for a short-term disaster forbearance. If you're not sure if the impact in your area has been declared as a natural disaster, visit the website Federal Emergency Management Agency's (FEMA) for more information.
If you have experienced a loss and need to submit a claim, you may upload the required documents and track the progress of your claim online 24/7 by accessing and creating an account at the Insurance Loss Claim Website.
New York Customers: The online messaging feature is not available. If you have any questions or need assistance, please reach out to our Customer Care Department at, 1-800-315-4757. Our hours of operation are Monday through Friday, 6:00 a.m. until 6:00 p.m. MT. We accept calls from relay services on behalf of hearing-impaired borrowers.
Please note these general contacts above should not be used to submit a request for information or notice of error regarding your account. All disputes must be sent to the designated address found under the Disputes tab.
FSA provides programs and services that support the economic stability of American farmers, ranchers and rural landowners. The Agency works hard to ensure the American agriculture industry is solid by providing farmers and ranchers with financial capital, risk management assistance, and recovery support in times of economic distress or disaster. The Agency also works to assure public funds are well managed. Sometimes agricultural price fluctuations, continual adverse weather conditions, or unexpected personal matters can affect the ability to make timely loan payments. In such instances, FSA may be able to provide certain loan servicing benefits to direct loan borrowers whose accounts are distressed or delinquent due to circumstances beyond their control.
The Department licenses student loan servicers operating in California. As part of this program, the DFPI accepts complaints from borrowers and enforces violations of the Student Loan Servicing Act. The Legislature approved the program in Assembly Bill 2251, which was signed into law by Gov Edmund G. Brown Jr. in 2016.
The statute established state standards to ensure consistent, fair, and quality servicing for the more than 4 million Californians who have student loans. This page is a resource for student loan servicers to get clarification on what is covered by current student loan servicing law, find information about applying for a license with DFPI, and more.
The Department licenses and regulates student loan servicers operating in California. The Student Loan Servicing Act (SLS) and all subsequent laws have established state standards to ensure consistent, fair, and quality servicing for the more than 4 million Californians who have student loans.
Information on SLS licensing requirements is also available on NMLS, which allows companies to conveniently manage their student loan servicer license(s) through a secure website. View state student loan servicer licensing requirements specific to the California Department of Financial Protection and Innovation.
Entities that perform the following activities are required to get a license. Subject to limited exclusions, the Act prohibits a person from engaging in the business of servicing a student loan in this state without a license. The act of servicing includes any of the following activities related to a student loan:
Audited financial statements prepared in accordance with Generally Accepted Accounting Principles that indicate a net worth of at least $250,000 must be submitted at the time of application. Licensees must continuously maintain a minimum net worth of $250,000.
SLS licensees must maintain a surety bond payable to the commissioner and issued by an insurer authorized to do business in this state. The bond amount is based on the dollar amount of servicing activities conducted by the licensee in the preceding calendar year, as follows:
While most material will be submitted through NMLS, information can also be sent to StudentLoa...@dfpi.ca.gov using a secure email system. If your company does not already have access to a secure email system, please send a request to establish a secure link to StudentLoa...@dfpi.ca.gov.
For large files and examination information, a secure portal has been set up using Microsoft 365 One Drive. Please use the above email address to request a link be opened. This does require a Microsoft account. If you do not already have one, instructions on how to establish an account will be sent with the link.
A licensee shall file an annual report with the Commissioner, on or before March 15, giving the relevant information that the Commissioner reasonably requires concerning the business and operations conducted by the licensee in the state during the preceding calendar year. The form will be available within the DFPI Self Service portal at least 90 days before the due date.
All licensees must submit audited financial statements within 105 days of the end of their fiscal year. The report filed with the Commissioner shall be certified by the independent certified public accountant who conducted the audit. The audited financial statements must document that the licensee maintains a tangible net worth of $250,000. The audited financial statements must be uploaded through the NMLS system.
Each licensee is subject to a regulatory examination by the Department, whether or not any business has been conducted under the license. Examinations will be conducted as often as the Commissioner deems necessary and appropriate, but at least once every 36 months. The licensee is responsible for the cost, including travel expenses, of the examination. Licensees will receive a written request for information to be transmitted to the DFPI through a secure portal prior to the start of the examination.
Below are answers to some of the most common questions regarding the student loan servicer license application process. Please contact us at StudentLoa...@dfpi.ca.gov for additional assistance or questions regarding issues with your student loan servicer license.
All stockholders, principal officers, and directors must have a background check. This includes obtaining criminal history information from the Department of Justice and conducting civil court checks for previous involvement in fraud, embezzlement, or misappropriation of property.
Additionally, the DFPI requires all applicants to submit a $100 investigation fee and a $300 application fee. Applicants for a company license must pay all fees through NMLS. Fees may be paid by credit card or ACH transfer. All fees are paid through NMLS and are not refundable.
Each licensee who desires to engage in business at an additional location (branch office) must submit Form MU3 through NMLS at least 10 days prior to engaging in business at the new location and submit a $100 investigation fee and a $300 application fee. Applicants for a branch license must pay all fees through NMLS.
All amendments must be filed through NMLS by amending Form MU1. If there is a change of control or ownership, each individual must also file Form MU2. See the CA DFPI Student Loan Servicing Company Amendment Checklist for full details. There are no fees for company amendments.
All amendments must be filed through NMLS by amending Form MU3. Additionally, a change of Branch Manager Disclosure Question(s) requires filing through Form MU1 in NMLS. There are no fees for branch amendments.
Licensees must notify the Department through NMLS that they intend to surrender an SLS Company license or Branch Office license. Submit any Dissolution Plan and Closing Audit documents as required per the surrender checklist through secure email at StudentLoa...@dfpi.ca.gov. The commissioner shall give a licensee notice of accepting a surrendered license, and a license shall not be deemed surrendered until the commissioner accepts its tender in writing.
The time needed to complete a background check depends on where the fingerprinting process is completed. California allows live scan electronic fingerprinting within the state. Background checks using this process take less time.
Have machines that I am testing with M365 servicing profile. These machines have been set up with servicing profile for probably 3-4 weeks at this point. A new build of Office 365 Monthly Enterprise was released, version .20370 (2205) last week. Only 3 machines of the 15 in here are shown as "completed", and the remainder just say "Not started" and these are still on build .20356 (2205)
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