WASHINGTON — A year to the day after Congress passed a law requiring states to implement a national registry for mortgage originators, 46 states and the District of Columbia have complied and three more states appear poised to act soon.

The Nationwide Mortgage Licensing System is designed to help establish a standardized process for all state-licensed originators and to increase transparency and accountability in the mortgage industry. The registry was begun in January 2008 with a handful of states and is likely to expand soon to all states.

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