Mississippi - Mortgage Fraud Resources

Beginning in 2008 the state of Mississippi began requiring that all mortgage license holders participate in and submit their names and credentials to the National Mortgage Licensing System (NMLS).

The NMLS officially launched on January 2, 2008, and was the culmination of a four-year effort first by Mississippi state regulators, and then other states. It is just one part of a multi-faceted plan being implemented to enhance consumer protection, improve regulation, increase uniformity of mortgage supervision, and streamline the licensing process.

These efforts include coordinated supervision, improved regulatory practices, and consistent standards for testing and training for mortgage originators; and uniform license application, renewals and annual reports. The NMLS in short is designed to help borrowers have more access to qualified, reputable lenders, thereby decreasing the potential for fraudulent activities.

Other state agencies and departments involved with prosecuting and investigating cases of mortgage fraud are listed below.

The FBI field offices are responsible for investigating potential cases of fraud and working with offices of state and the federal Attorney Generals to prosecute criminals. Local offices of the Department of Housing and Urban Development (HUD) can help mortgage applicants find the resources they need to make smart mortgage decisions.

The Department of Banking and Consumer Finance helps to set rules, investigate complaints and exercise enforcement/disciplinary authority over the businesses it oversees. The Real Estate Commission and Appraiser's Board has numerous sources of mortgage fraud information for consumers and can direct them to appropriate contacts for specific questions on mortgage fraud.

Finally, the Better Business Bureau sets guidelines by which businesses should operate and takes steps to ensure that consumers are treated fairly.


Mississippi Office of the Attorney General
http://www.ago.state.ms.us/
Consumer Protection Division
802 North State Street, Suite 303
P.O. Box 22947
Jackson, Mississippi 39225-2947
Phone: (601) 359-4230
Toll free: (800) 281-4418

Mississippi Department of Banking and Consumer Finance
http://www.dbcf.state.ms.us
501 N. West Street
901 Woolfolk Building - Suite A
Jackson, MS 39225-3729
Phone: (601) 359-1031
Toll-Free: (800) 844-2499

Consumer Complaints
http://www.dbcf.state.ms.us/complaints.htm

Mississippi Real Estate Commission
http://www.mrec.state.ms.us
P.O. Box 12685
Jackson, MS 39236
Phone: (601) 932-9191
Email: info@mrec.state.ms.us

FBI Jackson Field Office
http://jackson.fbi.gov/
100 W. Capitol Street, Room 1553
Jackson, MS 39269-1601
Phone: (601) 948-5000
Email: fbijn@leo.gov

U.S. Department of Housing and Urban Development (HUD)
Jackson Field Office
www.hud.gov/local/index.cfm?state=ms&topic=offices
McCoy Federal Building
100 W. Capitol Street, Suite 910
Jackson, MS 39269-1096
Phone: (601) 965-4757
TTY: (601) 965-4171
Email: MS_Webmanager@hud.gov

National Credit Union Adminstration
Region III - Atlanta
www.ncua.gov/AboutNcua/org/Region3.htm
7000 Central Parkway, Suite 1600
Atlanta, GA 30328
Phone: (678) 443-3000
Email: Region3@ncua.gov

U.S. Treasury Office of Thrift Supervision
1700 G Street, NW
Washington, DC 20552
Consumer Complaints
http://www.ots.treas.gov/?p=ConsumerComplaintsInquiries
Phone: (800) 842-6929
E-mail: consumer.complaint@ots.treas.gov

West Region Office
225 E. John Carpenter Freeway, Suite 500
Irving, Texas 75062-2326
Phone: (972) 277-9500

National Fair Housing Alliance
http://www.nationalfairhousing.org
1212 New York Avenue, NW Ste 525
Washington, DC 2005
Phone: (202) 898-1661
E-mail: nfha@nationalfairhousing.org

To locate your local affiliate:
http://www.nationalfairhousing.org/MemberOrganizations/tabid/2574/Default.aspx

Better Business Bureau of Mississippi
http://ms.bbb.org
601 Renaissance Way, Suite A
Ridgeland, MS 39157
Phone: (601) 707-0960
Email: info@ms.bbb.org