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Security report for nmlsconsumeraccess.org

State Regulatory Registry LLC (SRR) · Finance · United States

High risk. 19 critical or high findings in Network security, Security headers and 2 other checks.

Security score

48/100

Risk levelHigh

0–100, higher is better. How it is calculated

NMLS Consumer Access is a publicly operated website providing consumers with a free and authoritative service to verify licensing and registration information of financial services companies and professionals across the United States. It is managed by State Regulatory Registry LLC, a subsidiary of the Conference of State Bank Supervisors (CSBS), positioning it as a trusted source in the financial regulatory space. The website primarily serves consumers seeking to confirm the legitimacy and authorization status of mortgage and financial services providers. Technically, the website employs standard web technologies including jQuery and Microsoft Ajax, with custom scripts to support search functionality. The site is hosted under a reputable registrar, GoDaddy, and shows moderate performance and basic mobile optimization. However, there is room for improvement in accessibility and SEO practices. The absence of DNSSEC and security headers indicates some gaps in the security posture, though no critical vulnerabilities or blocking mechanisms were detected. From a security perspective, the website demonstrates basic best practices such as clientTransferProhibited domain status and frame busting scripts to prevent clickjacking. However, it lacks explicit security policies, vulnerability disclosure mechanisms, and privacy or cookie policies, which are important for compliance and user trust. The site does not appear to collect extensive user data beyond search inputs and does not employ tracking or advertising technologies, which reduces privacy risks. Overall, the website is a legitimate, professional, and trustworthy resource with a strong business credibility score. Strategic improvements in security headers, DNSSEC, privacy compliance, and mobile accessibility would enhance its security posture and user experience. No adult or questionable content is present, making it safe for general audiences.

Scanned

NIS2 and GDPR posture

GDPR outside view
50/ 100 · Medium
Checks completed
7of 7

NIS2 Art. 21(2)

  1. (a) Risk analysis and security policies: Not visible from outside
  2. (b) Incident handling: One indicator
  3. (c) Business continuity, backups and crisis management: Not visible from outside
  4. (d) Supply chain security: Not visible from outside
  5. (e) Secure acquisition, development and maintenance, including vulnerability handling: Partly checked
  6. (f) Assessing the effectiveness of security measures: Not visible from outside
  7. (g) Cyber hygiene and security training: Not visible from outside
  8. (h) Cryptography and encryption: Partly checked
  9. (i) HR security, access control and asset management: One indicator
  10. (j) Multi-factor authentication and secured communications: Not visible from outside

This scan rated NIS2 with an earlier keyword method that is no longer shown; rescan for the per-article view. Risk management, continuity, supply chain, training, MFA, management oversight (Art. 20) and incident reporting (Art. 23) need internal evidence, and Guard cannot tell whether NIS2 applies to this organisation.

GDPR is indicative only, based on publicly visible signals: Articles 7, 12, 13 and 32 of Regulation (EU) 2016/679 and Article 5(3) of the ePrivacy Directive. Not a certification or legal assessment.

Priority findings

19 findings rated critical or high. Fix these first.

  1. Network security

    Services reachable from the internet are the first thing attackers probe. Anything open that does not need to be should be closed.

    • Critical

      Critical Service Exposed: Telnet

      Port 23 (Telnet) is publicly accessible - Telnet - Unencrypted remote access

      What to do: Immediately restrict access to Telnet using firewall or VPN

      • NIS2 21(2)(e)
      • IR 2024/2690 6.7.2(f): Implementing Regulation (EU) 2024/2690, Annex point 6.7.2(f): Network security
      • NIST CM-7: NIST SP 800-53 Rev. 5 CM-7: Least Functionality
      • NIST SC-7: NIST SP 800-53 Rev. 5 SC-7: Boundary Protection
    • Critical

      Critical Service Exposed: SMB

      Port 445 (SMB) is publicly accessible - SMB - Windows file sharing, high risk

      What to do: Immediately restrict access to SMB using firewall or VPN

      • NIS2 21(2)(e)
      • IR 2024/2690 6.7.2(f): Implementing Regulation (EU) 2024/2690, Annex point 6.7.2(f): Network security
      • NIST CM-7: NIST SP 800-53 Rev. 5 CM-7: Least Functionality
      • NIST SC-7: NIST SP 800-53 Rev. 5 SC-7: Boundary Protection
    • Critical

      Critical Service Exposed: MSSQL

      Port 1433 (MSSQL) is publicly accessible - MSSQL - Database server

      What to do: Immediately restrict access to MSSQL using firewall or VPN

      • NIS2 21(2)(e)
      • IR 2024/2690 6.7.2(f): Implementing Regulation (EU) 2024/2690, Annex point 6.7.2(f): Network security
      • NIST CM-7: NIST SP 800-53 Rev. 5 CM-7: Least Functionality
      • NIST SC-7: NIST SP 800-53 Rev. 5 SC-7: Boundary Protection
    • Critical

      Critical Service Exposed: Oracle

      Port 1521 (Oracle) is publicly accessible - Oracle - Database server

      What to do: Immediately restrict access to Oracle using firewall or VPN

      • NIS2 21(2)(e)
      • IR 2024/2690 6.7.2(f): Implementing Regulation (EU) 2024/2690, Annex point 6.7.2(f): Network security
      • NIST CM-7: NIST SP 800-53 Rev. 5 CM-7: Least Functionality
      • NIST SC-7: NIST SP 800-53 Rev. 5 SC-7: Boundary Protection
    • Critical

      Critical Service Exposed: MySQL

      Port 3306 (MySQL) is publicly accessible - MySQL - Database server

      What to do: Immediately restrict access to MySQL using firewall or VPN

      • NIS2 21(2)(e)
      • IR 2024/2690 6.7.2(f): Implementing Regulation (EU) 2024/2690, Annex point 6.7.2(f): Network security
      • NIST CM-7: NIST SP 800-53 Rev. 5 CM-7: Least Functionality
      • NIST SC-7: NIST SP 800-53 Rev. 5 SC-7: Boundary Protection

Need hands-on remediation? Email guard@offseq.com

Keep watching nmlsconsumeraccess.org

This scan found 35 issues across 6 checks. Monitoring re-runs those checks daily, emails you when something material changes and records each fix, so you can show progress.

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  • TLS certificates and expiry
  • DNS records
  • SPF, DKIM and DMARC
  • Security headers
  • GDPR and NIS2 posture
  • Exposed services
  • Third-party trackers
  • Security score drift

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Results by check

Each check with its score, findings and the evidence it collected.

How this score is calculated

The security score runs 0–100, higher is better. It is the plain average of the security checks that completed in this scan, each counted equally. A check that could not run is left out: it counts neither as a pass nor as a fail.

Counted in this score

SSL/TLS
65
Security headers
35
Email security
70
DNS health
70
Network security
0
GDPR outside view
50
Average
48

Not counted

  • NIS2 outside view: Re-weights evidence from the TLS, email, DNS, network and hygiene checks, so counting it would count that evidence twice. Shown on its own.
  • OffSeq Observations: An AI reading of the site, useful context but not reproducible evidence. Shown on its own.

Findings that cap the score at 49

Each of these is serious on its own, so while any is present the site cannot rate better than high risk, however good the other checks are.

  • The certificate is not trusted by browsers
  • The website is not served over HTTPS
  • A database, remote desktop, file-sharing or Telnet service is reachable from the internet · found on this site
  • The page loads a script from a compromised source
  • The domain registration has expired
  • SPF authorises every server to send mail as the domain

Partial scans

When the site blocks Guard or most checks cannot run, the score covers only the checks that ran (usually DNS and email), is capped at 75 and is shown as partial, without a risk level.

Risk levels

  • Critical0–25
  • High26–49
  • Medium50–75
  • Low76–100

Technical appendix

Business context, site observations and technical notes gathered during the scan, and the standards behind each reference.

Business context

Business profile

NMLS Consumer Access operates as an essential public service within the finance and government sectors, providing transparency and consumer protection by enabling verification of licensed financial service providers. Its market position is strong due to its affiliation with CSBS and AARMR, and its role as the official licensing database for mortgage and related financial services. The business model is non-commercial, focusing on regulatory compliance and consumer education. The target audience includes consumers, regulators, and financial professionals. The website's partnership ecosystem includes state regulatory agencies and federal institutions. Growth indicators are stable given the regulatory nature, with potential for expansion in coverage as more states participate. The absence of direct contact details and limited marketing tools aligns with its regulatory and informational purpose.

Security posture

The website exhibits a moderate security maturity level with foundational protections such as domain transfer restrictions and frame busting scripts. However, the lack of DNSSEC and absence of HTTP security headers like Content Security Policy (CSP), HTTP Strict Transport Security (HSTS), and X-Frame-Options represent gaps that could be exploited. No vulnerability disclosure or incident response information is provided, which limits transparency and preparedness. Data protection practices appear minimal but appropriate given the limited data collected. Compliance with GDPR or other privacy regulations is not explicitly addressed, and cookie consent mechanisms are absent. Overall, the security culture appears functional but could benefit from formalized policies and enhanced technical controls.

Recommendations

  1. Enable DNSSEC on the domain to improve DNS security and prevent spoofing.
  2. Implement comprehensive HTTP security headers including CSP, HSTS, and X-Frame-Options.
  3. Publish clear privacy and cookie policies with GDPR compliance statements and implement a cookie consent mechanism.
  4. Establish and publicize a vulnerability disclosure policy and incident response contact channels.
  5. Improve mobile optimization and accessibility to enhance user experience and compliance with accessibility standards.
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
State Regulatory Registry LLC (SRR)
Description
NMLS Consumer Access is a free service for consumers to verify licensing and registration information of financial-services companies and professionals authorized to conduct business in their state. It contains licensing data on mortgage, consumer finance, debt, and money services companies and individuals licensed by state regulatory agencies participating in NMLS.
Key services
License verification, Consumer access to licensing data, Searchable database of licensed companies and individuals
Content quality
good
Branding
consistent

Technology

Stack
jQuery 3.5.1, Microsoft Ajax, Custom JavaScript (nmls.js, nmls.searchEngine.js)
Performance
moderate
Mobile
basic
Accessibility
basic
SEO
basic

Security

Observed score
55/100
Good practices seen
  • Use of clientTransferProhibited domain status to prevent unauthorized transfers
  • JavaScript check to prevent framing (clickjacking protection)

Analytics and tracking

Tracking level
minimal
Privacy practices
basic

Advertising

Transparency
poor

Site quality

Design
basic
User experience
basic
Content relevance
good
Navigation
good
Professionalism
good
Trustworthiness
high

Key observations

  1. Website provides a public service for verifying financial licensing information.
  2. No privacy or cookie policy explicitly found, but terms of use are present.
  3. No direct contact emails or phone numbers found; contact is via external link and form.
  4. No social media links detected.
  5. No security.txt or vulnerability disclosure policy found.
  6. Website uses standard JavaScript libraries and custom scripts.
  7. No DNSSEC enabled, which is a minor security gap.
  8. No explicit security headers detected in provided data.
  9. Content is professional, relevant, and safe for general audiences.
  10. No advertising or tracking technologies detected.
Technical notes

Notes

The website uses a traditional web stack with jQuery and Microsoft Ajax libraries, supported by custom JavaScript for search functionality. The HTML structure is valid with linked CSS stylesheets for layout and print. Hosting details are limited but the domain is registered with a reputable registrar. Performance is moderate with no explicit indicators of slow loading but mobile optimization is basic. SEO is basic with minimal meta tags and no structured data or Open Graph tags detected. Accessibility features are minimal, with some ARIA labels present. There is no evidence of a modern CMS or advanced frameworks. Technical debt is moderate, with opportunities to modernize the tech stack and improve security configurations.
Standards and sources

Reference chips under each finding point to the standard, regulation or specification the finding relates to. They are taken from the official datasets below and mapped conservatively: a finding with no defensible link shows none. NIS2 and GDPR references mark where a finding is relevant evidence, not a compliance verdict. Implementing Regulation (EU) 2024/2690 binds digital infrastructure and digital service providers; for other entities it is the most detailed public reading of the Article 21 measures. WCAG, EN 301 549, European Accessibility Act and Web Accessibility Directive references name the requirement an automated accessibility rule relates to; they are not a conformance verdict.

Retrieved 2026-10-25

Earlier scans of this domain

  1. 48/100High38 findingsView report
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