SES Complaints – More about Consumer Complaint Subjects

The types of entities that can be the subject of a complaint in SES.

Below is a list of the types of entities that can be the subject of a complaint in SES:

Non-depository companies, branches, and individuals whose licenses are managed in NMLS

This is because SES is linked to NMLS and its licensees are automatically populated into SES.

Depository-only institutions that are included in MicroStrategy and the National Information Center (NIC) database.

The data source for depository-only institutions is not NMLS, but MicroStrategy and the NIC database.

Non-depository companies, branches, and individuals who are licensed by your agency but are not managed in NMLS

To identify these licensees as a complaint subject, the licensee must first complete the account request form in NMLS. Doing so will allow the NMLS link to bring the entity into SES (on the next business day), at which point, a complaint can then be created.

Keep in mind, the licensee only needs to complete the NMLS account request form, they do not need to complete any additional forms in NMLS to proceed.

Non-NMLS entities

Non-NMLS entities are defined as unknown or unreachable entities that could be operating without a license. Non-NMLS entities are created by agency complaint users with the purpose of enabling tracking of these entities across agencies. Since they are unknown or unreachable, you cannot interact with them using SES, but complaints can be created on these entities to inform other agency users of their reported activity.

Looking Forward

In the future, SES plans to expand functionality to include a public portal, allowing consumers to search for entities, initiate, and track their own complaints.