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Safe Act

Secure and Fair Enforcement for Mortgage Licensing Act

The Secure and Fair Enforcement for Mortgage Licensing Act of 2008, also known as the SAFE Act, is a federal law that is designed to reduce fraud in mortgage lending and improve protections for consumers.  The Act requires that individual Mortgage Loan Originators and their employing institutions register with the Nationwide Mortgage Licensing System and Registry (NMLS).  A listing of the mortgage loan originators of Catskill Hudson Bank (Institution ID 762902) can be found below:
  • James A. Cardinal - NMLS ID 31973
  • Cheryl Haynes Christian - NMLS ID 1114286
  • Ralph Foster Jr. - NMLS ID 532061
  • Brian V. Garis - NMLS ID 690894

  • Richard C. Murphy - NMLS ID 481564

  • Colleen A. Osterhout - NMLS ID 1869520

This NMLS ID makes it easier for consumers to find information on our Mortgage Loan Originators.  You may access information at no charge at www.nmlsconsumeraccess.org