Discuss the use of unique identifiers for mortgage loan originators $($MLOs$).$The Secure and Fair Enforcement for Mortgage Licensing Act $($SAFE$)$ Act mandated that all mortgage loan originators $($MLOs$)$ have a unique identifier that would follow them throughout their careers. The unique identifier is a number that MLOs must display on their business cards The number is meant to facilitate tracking and identification of MLOs and their records of employment and any disciplinary action. MLOs must provide their identifier to consumers upon request and before acting as an MLO to help consumers apply for a loan as well as on any written communication with a consumer. The Federal Housing Finance Agency requires Freddie Mac and Fannie Mae to include Nationwide Mortgage Licensing System $($NMLS$)$ numbers, also known as the unique identifier, on all mortgage applications. The applications must also include the MLO's company's NMLS number as well or the company for whom an MLO is representing or subcontracting. If a loan is originated by a mortgage broker, the broker's NMLS number must be on the application.