MORTGAGE LOAN ORIGINATOR CONTINUING EDUCATION
1 Hour SAFE Elective: Working with Limited English Proficiency Borrowers | Online, Self-Study
Working with Limited English Proficiency Borrowers Highlights
This timely and relevant online course will explore critical concepts for companies to think about when creating or expanding programs and/or business processes to tap into the pool of borrowers whose first language is not English.
Online Self-Study- Covers the topics you need to know to maintain your license and stay compliant
- Beyond the ordinary check-the-box online training experience
- Easy to complete anywhere, any time
- Fast NMLS credit-banking
About This Course:
The United States is becoming more diverse, with an estimated 350+ languages spoken in households across the country. There is a huge opportunity for growth for companies that can tap into the vast LEP marketplace in a compliant manner. We’ll cover strategies to get your LEP program up-and-running (HINT: start small!) as well as fair lending pitfalls to avoid and other regulatory issues and expectations.
This Course is Successive Year Compliant
Successive Year Rule
The SAFE Act stipulates that a state-licensed MLO may not take the same approved course in the same or successive years to meet the annual requirements for continuing education.
NMLS has interpreted the term successive years
to mean two years in a row.
Continuing Education Requirements
MLO: Every state licensed MLO (in any approved status) is required to complete at least 8 hours of NMLS approved education annually beginning the year they are licensed (unless pre-license education was completed in the same year).
Annual CE must include 3 hours of Federal law, 2 hours of ethics (which shall include fraud, consumer protection, and fair lending issues), and 2 hours of non-traditional mortgage lending, plus one additional hour of undefined education (referred to as an elective).
Additional Persons: N/A
Deadline
The deadline to complete CE is December 31. However, MLOs in Alabama are prevented from applying to renew their license if they have not completed CE. Since it may take as long as seven (7) days for a course provider to report a course completion into NMLS, MLOs are strongly encouraged not to wait until the last minute to try to complete CE or they may be prevented from submitting for renewal on time.
Continuing Education Requirements
MLO: Every state licensed MLO (in any approved status) is required to complete at least 8 hours of NMLS approved education annually beginning the year they are licensed (unless pre-license education was completed in the same year).
Annual CE must include 3 hours of Federal law, 2 hours of ethics (which shall include fraud, consumer protection, and fair lending issues), and 2 hours of non-traditional mortgage lending, plus one additional hour of undefined education (referred to as an elective).
Additional Persons: N/A
Deadline
The deadline to complete CE is December 31. However, MLOs in Alaska are prevented from applying to renew their license if they have not completed CE. Since it may take as long as seven (7) days for a course provider to report a course completion into NMLS, MLOs are strongly encouraged not to wait until the last minute to try to complete CE or they may be prevented from submitting for renewal on time.
Continuing Education Requirements
MLO: Every state licensed MLO (in any approved status) is required to complete at least 8 hours of NMLS approved education annually beginning the year they are licensed (unless pre-license education was completed in the same year).
Annual CE must include 3 hours of Federal law, 2 hours of ethics (which shall include fraud, consumer protection, and fair lending issues), and 2 hours of non-traditional mortgage lending, plus one(1) additional hour of AZ state-specific education (referred to as an elective).
Additional Persons: Responsible Individuals. See the AZ Renewal Requirements Checklist for details.
Deadline
The deadline to complete CE is December 31. However, MLOs in Arizona are prevented from applying to renew their license if they have not completed CE. Since it may take as long as seven (7) days for a course provider to report a course completion into NMLS, MLOs are strongly encouraged not to wait until the last minute to try to complete CE or they may be prevented from submitting for renewal on time.
Continuing Education Requirements
MLO: Every state licensed MLO (in any approved status) is required to complete at least 8 hours of NMLS approved education annually beginning the year they are licensed (unless pre-license education was completed in the same year).
Annual CE must include 3 hours of Federal law, 2 hours of ethics (which shall include fraud, consumer protection, and fair lending issues), 2 hours of non-traditional mortgage lending, plus one (1) additional hour of CA-DFPI specific education (referred to as an elective).
Additional Persons: N/A
Deadline
The deadline to complete CE is December 31. However, MLOs with CA-DFPI are prevented from applying to renew their license if they have not completed CE. Since it may take as long as seven (7) days for a course provider to report a course completion into NMLS, MLOs are strongly encouraged not to wait until the last minute to try to complete CE or they may be prevented from submitting for renewal on time.
Continuing Education Requirements
MLO: Every state licensed MLO (in any approved status) is required to complete at least 8 hours of NMLS approved education annually beginning the year they are licensed (unless pre-license education was completed in the same year).
Annual CE must include 3 hours of Federal law, 2 hours of ethics (which shall include fraud, consumer protection, and fair lending issues), 2 hours of non-traditional mortgage lending, plus one (1) additional hour of undefined (referred to as an elective).
Additional Persons: N/A
Deadline
The deadline to complete CE is December 31. However, MLOs with CA-DRE are prevented from applying to renew their license if they have not completed CE. Since it may take as long as seven (7) days for a course provider to report a course completion into NMLS, MLOs are strongly encouraged not to wait until the last minute to try to complete CE or they may be prevented from submitting for renewal on time.
Continuing Education Requirements
MLO: Every state licensed MLO (in any approved status) is required to complete at least 8 hours of NMLS approved education annually beginning the year they are licensed (unless pre-license education was completed in the same year).
Annual CE must include 3 hours of Federal law, 2 hours of ethics (which shall include fraud, consumer protection, and fair lending issues), 2 hours of non-traditional mortgage lending, plus one (1) additional hour of undefined (referred to as an elective).
Additional Persons: N/A
*Note: CO requires 8 hours (1hr State Specific) of Late CE for any outstanding CE between 2010-2020.
Deadline
The deadline to complete CE is December 31. However, MLOs in Colorado are prevented from applying to renew their license if they have not completed CE. Since it may take as long as seven (7) days for a course provider to report a course completion into NMLS, MLOs are strongly encouraged not to wait until the last minute to try to complete CE or they may be prevented from submitting for renewal on time.
Continuing Education Requirements
MLO: Every state licensed MLO (in any approved status) is required to complete at least 8 hours of NMLS approved education annually beginning the year they are licensed (unless pre-license education was completed in the same year).
Annual CE must include 3 hours of Federal law, 2 hours of ethics (which shall include fraud, consumer protection, and fair lending issues), and 2 hours of non-traditional mortgage lending, plus one (1) additional hour of CT education.
Additional Persons: Mortgage Loan Process and Under Writer Licenses. See the CT Renewal Requirements Checklist for details.
Deadline
The deadline to complete CE is December 31. However, MLOs in Connecticut are prohibited from applying to renew their license if they have not completed CE. Since it may take as long as seven (7) days for a course provider to report a course completion into NMLS, MLOs are strongly encouraged not to wait until the last minute to try to complete CE or they may be prevented from submitting for renewal on time.
Continuing Education Requirements
MLO: Every state licensed MLO (in any approved status) is required to complete at least 8 hours of NMLS approved education annually beginning the year they are licensed (unless pre-license education was completed in the same year).
Annual CE must include 3 hours of Federal law, 2 hours of ethics (which shall include fraud, consumer protection, and fair lending issues), and 2 hours of non-traditional mortgage lending, plus one (1) additional hour of education (referred to as an elective).
Additional Persons: N/A
Deadline
The deadline to complete CE is December 1. However, MLOs in Delaware are prohibited from applying to renew their license if they have not completed CE. Since it may take as long as seven (7) days for a course provider to report a course completion into NMLS, MLOs are strongly encouraged not to wait until the last minute to try to complete CE or they may be prevented from submitting for renewal on time..
Continuing Education Requirements
MLO: Every state licensed MLO (in any approved status) is required to complete at least 8 hours of NMLS approved education annually beginning the year they are licensed (unless pre-license education was completed in the same year).
Annual CE must include 3 hours of Federal law, 2 hours of ethics (which shall include fraud, consumer protection, and fair lending issues), and 2 hours of non-traditional mortgage lending, plus one (1) additional hour of DC-specific education (referred to as an elective).
Additional Persons: N/A
Deadline
The deadline to complete CE is November 1. However, MLOs in DC are prohibited from applying to renew their license if they have not completed CE. Since it may take as long as seven (7) days for a course provider to report a course completion into NMLS, MLOs are strongly encouraged not to wait until the last minute to try to complete CE or they may be prevented from submitting for renewal on time.
Continuing Education Requirements
MLO: Every state licensed MLO (in any approved status) is required to complete at least 8 hours of NMLS approved education annually beginning the year they are licensed (unless pre-license education was completed in the same year).
Annual CE must include 3 hours of Federal law, 2 hours of ethics (which shall include fraud, consumer protection, and fair lending issues), and 2 hours of non-traditional mortgage lending, plus one (1) additional hour of FL-specific education (referred to as an elective).
Additional Persons: N/A
Deadline
The deadline to complete CE is December 31. However, MLOs in Florida are prohibited from applying to renew their license if they have not completed CE. Since it may take as long as seven (7) days for a course provider to report a course completion into NMLS, MLOs are strongly encouraged not to wait until the last minute to try to complete CE or they may be prevented from submitting for renewal on time
Continuing Education Requirements
MLO: Every state licensed MLO (in any approved status) is required to complete at least 8 hours of NMLS approved education annually beginning the year they are licensed (unless pre-license education was completed in the same year).
Annual CE must include 3 hours of Federal law, 2 hours of ethics (which shall include fraud, consumer protection, and fair lending issues), and 2 hours of non-traditional mortgage lending, plus one (1) additional hour of GA-specific education (referred to as an elective).
Additional Persons: N/A
Deadline
The deadline to complete CE is October 31. However, MLOs in Georgia are prohibited from applying to renew their license if they have not completed CE. Since it may take as long as seven (7) days for a course provider to report a course completion into NMLS, MLOs are strongly encouraged not to wait until the last minute to try to complete CE or they may be prevented from submitting for renewal on time. Alert: GA may assess a $100 late fee outside of NMLS if CE is completed after October 31.
Continuing Education Requirements
MLO: Every state licensed MLO (in any approved status) is required to complete at least 8 hours of NMLS approved education annually beginning the year they are licensed (unless pre-license education was completed in the same year).
Annual CE must include 3 hours of Federal law, 2 hours of ethics (which shall include fraud, consumer protection, and fair lending issues), and 2 hours of non-traditional mortgage lending, plus one (1) additional hour of undefined education (referred to as an elective).
Additional Persons: N/A
Deadline
The deadline to complete CE is December 31. However, MLOs in Guam are prohibited from applying to renew their license if they have not completed CE. Since it may take as long as seven (7) days for a course provider to report a course completion into NMLS, MLOs are strongly encouraged not to wait until the last minute to try to complete CE or they may be prevented from submitting for renewal on time.
Continuing Education Requirements
MLO: Every state licensed MLO (in any approved status) is required to complete at least 8 hours of NMLS approved education annually beginning the year they are licensed (unless pre-license education was completed in the same year).
Annual CE must include 3 hours of Federal law, 2 hours of ethics (which shall include fraud, consumer protection, and fair lending issues), and 2 hours of non-traditional mortgage lending, plus one (1) additional hour of HI-specific education (referred to as an elective).
Additional Persons: N/A
Deadline
The deadline to complete CE is December 31. However, MLOs in Hawaii are prohibited from applying to renew their license if they have not completed CE. Since it may take as long as seven (7) days for a course provider to report a course completion into NMLS, MLOs are strongly encouraged not to wait until the last minute to try to complete CE or they may be prevented from submitting for renewal on time.
Continuing Education Requirements
MLO: Every state licensed MLO (in any approved status) is required to complete at least 8 hours of NMLS approved education annually beginning the year they are licensed (unless pre-license education was completed in the same year).
Annual CE must include 3 hours of Federal law, 2 hours of ethics (which shall include fraud, consumer protection, and fair lending issues), and 2 hours of non-traditional mortgage lending, plus one (1) additional hour of ID-specific education (referred to as an elective).
Additional Persons: N/A
Deadline
The deadline to complete CE is December 1. However, MLOs in Idaho are prohibited from applying to renew their license if they have not completed CE. Since it may take as long as seven (7) days for a course provider to report a course completion into NMLS, MLOs are strongly encouraged not to wait until the last minute to try to complete CE or they may be prevented from submitting for renewal on time.
Continuing Education Requirements
MLO: Every state licensed MLO (in any approved status) is required to complete at least 8 hours of NMLS approved education annually beginning the year they are licensed (unless pre-license education was completed in the same year).
Annual CE must include 3 hours of Federal law, 2 hours of ethics (which shall include fraud, consumer protection, and fair lending issues), and 2 hours of non-traditional mortgage lending, plus one (1) additional hour of undefined education (referred to as an elective).
Additional Persons: N/A
Deadline
The deadline to complete CE is December 31. However, MLOs in Illinois are prohibited from applying to renew their license if they have not completed CE. Since it may take as long as seven (7) days for a course provider to report a course completion into NMLS, MLOs are strongly encouraged not to wait until the last minute to try to complete CE or they may be prevented from submitting for renewal on time.
Continuing Education Requirements
MLO: Every state licensed MLO (in any approved status) is required to complete at least 8 hours of NMLS approved education annually beginning the year they are licensed (unless pre-license education was completed in the same year).
Annual CE must include 3 hours of Federal law, 2 hours of ethics (which shall include fraud, consumer protection, and fair lending issues), and 2 hours of non-traditional mortgage lending, plus 1 additional hour of undefined education (referred to as an elective).
Additional Persons: N/A
Deadline
The deadline to complete CE is December 31. However, MLOs with Indiana-DFI are prohibited from applying to renew their license if they have not completed CE. Since it may take as long as seven (7) days for a course provider to report a course completion into NMLS, MLOs are strongly encouraged not to wait until the last minute to try to complete CE or they may be prevented from submitting for renewal on time.
Continuing Education Requirements
MLO: Every state licensed MLO (in any approved status) is required to complete at least 8 hours of NMLS approved education annually beginning the year they are licensed (unless pre-license education was completed in the same year).
Annual CE must include 3 hours of Federal law, 2 hours of ethics (which shall include fraud, consumer protection, and fair lending issues), and 2 hours of non-traditional mortgage lending, plus one (1) additional hour of undefined education (referred to as an elective).
Additional Persons: Principle Managers. See the IN-SOS Renewal Requirements Checklist for details.
Deadline
The deadline to complete CE is December 31. However, MLOs with Indiana-SOS are prohibited from applying to renew their license if they have not completed CE. Since it may take as long as seven (7) days for a course provider to report a course completion into NMLS, MLOs are strongly encouraged not to wait until the last minute to try to complete CE or they may be prevented from submitting for renewal on time.
Continuing Education Requirements
MLO: Every state licensed MLO (in any approved status) is required to complete at least 8 hours of NMLS approved education annually beginning the year they are licensed (unless pre-license education was completed in the same year).
Annual CE must include 3 hours of Federal law, 2 hours of ethics (which shall include fraud, consumer protection, and fair lending issues), and 2 hours of non-traditional mortgage lending, plus one additional hour of undefined education (referred to as an elective).
Additional Persons: N/A
Deadline
The deadline to complete CE is December 1. However, MLOs in Iowa are prohibited from applying to renew their license if they have not completed CE. Since it may take as long as seven (7) days for a course provider to report a course completion into NMLS, MLOs are strongly encouraged not to wait until the last minute to try to complete CE or they may be prevented from submitting for renewal on time.
Continuing Education Requirements
MLO: Every state licensed MLO (in any approved status) is required to complete at least 8 hours of NMLS approved education annually beginning the year they are licensed (unless pre-license education was completed in the same year).
Annual CE must include 3 hours of Federal law, 2 hours of ethics (which shall include fraud, consumer protection, and fair lending issues), and 2 hours of non-traditional mortgage lending, plus one additional hour of undefined education (referred to as an elective).
Additional Persons: N/A
Deadline
The deadline to complete CE is December 1. However, MLOs in Kansas are prohibited from applying to renew their license if they have not completed CE. Since it may take as long as seven (7) days for a course provider to report a course completion into NMLS, MLOs are strongly encouraged not to wait until the last minute to try to complete CE or they may be prevented from submitting for renewal on time.
Continuing Education Requirements
MLO: Every state licensed MLO (in any approved status) is required to complete at least 8 hours of NMLS approved education annually beginning the year they are licensed (unless pre-license education was completed in the same year).
Annual CE must include 3 hours of Federal law, 2 hours of ethics (which shall include fraud, consumer protection, and fair lending issues), and 2 hours of non-traditional mortgage lending, 1 hour of KY-specific education (referred to as an elective).
Additional Persons: N/A
Deadline
The deadline to complete CE is November 30. However, MLOs in Kentucky are prohibited from applying to renew their license if they have not completed CE. Since it may take as long as seven (7) days for a course provider to report a course completion into NMLS, MLOs are strongly encouraged not to wait until the last minute to try to complete CE or they may be prevented from submitting for renewal on time.
Continuing Education Requirements
MLO: Every state licensed MLO (in any approved status) is required to complete at least 8 hours of NMLS approved education annually beginning the year they are licensed (unless pre-license education was completed in the same year).
Annual CE must include 3 hours of Federal law, 2 hours of ethics (which shall include fraud, consumer protection, and fair lending issues), and 2 hours of non-traditional mortgage lending, plus one additional hour of undefined education (referred to as an elective).
Additional Persons: N/A
Deadline
The deadline to complete CE is December 31. However, MLOs in Louisiana are prohibited from applying to renew their license if they have not completed CE. Since it may take as long as seven (7) days for a course provider to report a course completion into NMLS, MLOs are strongly encouraged not to wait until the last minute to try to complete CE or they may be prevented from submitting for renewal on time.
Continuing Education Requirements
MLO: Every state licensed MLO (in any approved status) is required to complete at least 8 hours of NMLS approved education annually beginning the year they are licensed (unless pre-license education was completed in the same year).
Annual CE must include 3 hours of Federal law, 2 hours of ethics (which shall include fraud, consumer protection, and fair lending issues), and 2 hours of non-traditional mortgage lending, plus one additional hour of undefined education (referred to as an elective).
Additional Persons: N/A
Deadline
The deadline to complete CE is December 31. However, MLOs in Maine are prohibited from applying to renew their license if they have not completed CE. Since it may take as long as seven (7) days for a course provider to report a course completion into NMLS, MLOs are strongly encouraged not to wait until the last minute to try to complete CE or they may be prevented from submitting for renewal on time.
Continuing Education Requirements
MLO: Every state licensed MLO (in any approved status) is required to complete at least 8 hours of NMLS approved education annually beginning the year they are licensed (unless pre-license education was completed in the same year).
Annual CE must include 3 hours of Federal law, 2 hours of ethics (which shall include fraud, consumer protection, and fair lending issues), and 2 hours of non-traditional mortgage lending, plus one (1) additional hour of MD-specific education (referred to as an elective).
Additional Persons: Each Maryland Qualified Individual and Branch Manager must complete 8 hours of NMLS CE to include 1 hour of instruction on MD mortgage-related law.
Deadline
The deadline to complete CE is December 31. However, both Mortgage Lender Licensees and MLOs in Maryland are prohibited from applying to renew their license if they have not completed CE. Since it may take as long as seven (7) days for a course provider to report a course completion into NMLS, licensees are strongly encouraged not to wait until the last minute to try to complete CE or they may be prevented from submitting for renewal on time.
Continuing Education Requirements
MLO: Every state licensed MLO (in any approved status) is required to complete at least 8 hours of NMLS approved education annually beginning the year they are licensed (unless pre-license education was completed in the same year).
Annual CE must include 3 hours of Federal law, 2 hours of ethics (which shall include fraud, consumer protection, and fair lending issues), and 2 hours of non-traditional mortgage lending, plus one (1) additional hour of MA-specific education (referred to as an elective).
Additional Persons: N/A
Deadline
The deadline to complete CE is December 31. However, MLOs in Massachusetts are prohibited from applying to renew their license if they have not completed CE. Since it may take as long as seven (7) days for a course provider to report a course completion into NMLS, MLOs are strongly encouraged not to wait until the last minute to try to complete CE or they may be prevented from submitting for renewal on time.
Continuing Education Requirements
MLO: Every state licensed MLO (in any approved status) is required to complete at least 8 hours of NMLS approved education annually beginning the year they are licensed (unless pre-license education was completed in the same year).
Annual CE must include 3 hours of Federal law, 2 hours of ethics (which shall include fraud, consumer protection, and fair lending issues), and 2 hours of non-traditional mortgage lending, plus one additional hour of undefined education (referred to as an elective).
Additional Persons: N/A
Deadline
The deadline to complete CE is December 31. However, MLOs in Michigan are prohibited from applying to renew their license if they have not completed CE. Since it may take as long as seven (7) days for a course provider to report a course completion into NMLS, MLOs are strongly encouraged not to wait until the last minute to try to complete CE or they may be prevented from submitting for renewal on time.
Continuing Education Requirements
MLO: Every state licensed MLO (in any approved status) is required to complete at least 8 hours of NMLS approved education annually beginning the year they are licensed (unless pre-license education was completed in the same year).
Annual CE must include 3 hours of Federal law, 2 hours of ethics (which shall include fraud, consumer protection, and fair lending issues), 2 hours of non-traditional mortgage lending, plus 1 hour of MN specific education. MN requires 1 hour of State specific CE (referred to as an elective).
*MN requires 1 hour of State specific CE even for those that completed CE prior to Aug. 1, 2018.
Additional Persons: N/A
Deadline
The deadline to complete CE is December 31. However, MLOs in Minnesota are prohibited from applying to renew their license if they have not completed CE. Since it may take as long as seven (7) days for a course provider to report a course completion into NMLS, MLOs are strongly encouraged not to wait until the last minute to try to complete CE or they may be prevented from submitting for renewal on time.
Continuing Education Requirements
MLO: Every state licensed MLO (in any approved status) is required to complete at least 8 hours of NMLS approved education annually beginning the year they are licensed (unless pre-license education was completed in the same year).
Annual CE must include 3 hours of Federal law, 2 hours of ethics (which shall include fraud, consumer protection, and fair lending issues), and 2 hours of non-traditional mortgage lending, 1 hour of undefined education (referred to as electives).
Additional Persons: N/A
Deadline
The deadline to complete CE is December 31. However, MLOs in Mississippi are prohibited from applying to renew their license if they have not completed CE. Since it may take as long as seven (7) days for a course provider to report a course completion into NMLS, MLOs are strongly encouraged not to wait until the last minute to try to complete CE or they may be prevented from submitting for renewal on time.
Continuing Education Requirements
MLO: Every state licensed MLO (in any approved status) is required to complete at least 8 hours of NMLS approved education annually beginning the year they are licensed (unless pre-license education was completed in the same year).
Annual CE must include 3 hours of Federal law, 2 hours of ethics (which shall include fraud, consumer protection, and fair lending issues), and 2 hours of non-traditional mortgage lending, plus one (1) additional hour of MO-specific education (referred to as an elective).
Additional Persons: N/A
Deadline
The deadline to complete CE is December 31. However, MLOs in Missouri are prohibited from applying to renew their license if they have not completed CE. Since it may take as long as seven (7) days for a course provider to report a course completion into NMLS, MLOs are strongly encouraged not to wait until the last minute to try to complete CE or they may be prevented from submitting for renewal on time.
Continuing Education Requirements
MLO: Every state licensed MLO (in any approved status) is required to complete at least 8 hours of NMLS approved education annually beginning the year they are licensed (unless pre-license education was completed in the same year).
Annual CE must include 3 hours of Federal law, 2 hours of ethics (which shall include fraud, consumer protection, and fair lending issues), and 2 hours of non-traditional mortgage lending, plus 1 hour of undefined education (referred to as an elective).
Additional Persons: N/A
Deadline
The deadline to complete CE is December 31. However, MLOs in Montana are prohibited from applying to renew their license if they have not completed CE. Since it may take as long as seven (7) days for a course provider to report a course completion into NMLS, MLOs are strongly encouraged not to wait until the last minute to try to complete CE or they may be prevented from submitting for renewal on time.
Continuing Education Requirements
MLO: Every state licensed MLO (in any approved status) is required to complete at least 8 hours of NMLS approved education annually beginning the year they are licensed (unless pre-license education was completed in the same year).
Annual CE must include 3 hours of Federal law, 2 hours of ethics (which shall include fraud, consumer protection, and fair lending issues), and 2 hours of non-traditional mortgage lending, plus one additional hour of undefined education (referred to as an elective).
Additional Persons: N/A
Deadline
The deadline to complete CE is December 31. However, MLOs in Nebraska are prohibited from applying to renew their license if they have not completed CE. Since it may take as long as seven (7) days for a course provider to report a course completion into NMLS, MLOs are strongly encouraged not to wait until the last minute to try to complete CE or they may be prevented from submitting for renewal on time.
Continuing Education Requirements
MLO: Every state licensed MLO (in any approved status) is required to complete at least 8 hours of NMLS approved education annually beginning the year they are licensed (unless pre-license education was completed in the same year).
Annual CE must include 3 hours of Federal law, 2 hours of ethics (which shall include fraud, consumer protection, and fair lending issues), and 2 hours of non-traditional mortgage lending, plus one additional hour of undefined education (referred to as an elective). The Qualified Employee (QE) for each office is required to take 1 hour of Nevada Law in lieu of the elective.
*Note: NV requires 10 hours (3 State Specific) for Late CE completed for 2010-2017.
Additional Persons: N/A
Deadline
The deadline to complete CE is December 31. However, MLOs in Nevada are prohibited from applying to renew their license if they have not completed CE. Since it may take as long as seven (7) days for a course provider to report a course completion into NMLS, MLOs are strongly encouraged not to wait until the last minute to try to complete CE or they may be prevented from submitting for renewal on time.
Continuing Education Requirements
MLO: Every state licensed MLO (in any approved status) is required to complete at least 8 hours of NMLS approved education annually beginning the year they are licensed (unless pre-license education was completed in the same year).
Annual CE must include 3 hours of Federal law, 2 hours of ethics (which shall include fraud, consumer protection, and fair lending issues), and 2 hours of non-traditional mortgage lending, plus one additional hour of undefined education (referred to as an elective).
Additional Persons: N/A
Deadline
The deadline to complete CE is December 31. However, MLOs in New Hampshire are prohibited from applying to renew their license if they have not completed CE. Since it may take as long as seven (7) days for a course provider to report a course completion into NMLS, MLOs are strongly encouraged not to wait until the last minute to try to complete CE or they may be prevented from submitting for renewal on time.
Continuing Education Requirements
MLO: Every state licensed MLO (in any approved status) is required to complete at least 8 hours of NMLS approved education annually beginning the year they are licensed (unless pre-license education was completed in the same year).
Annual CE must include 3 hours of Federal law, 2 hours of ethics (which shall include fraud, consumer protection, and fair lending issues), and 2 hours of non-traditional mortgage lending, 3 hours of electives, plus 2 hours of NJ-specific education (referred to as an elective).
Additional Persons: Qualified Individuals. See the NJ Renewal Requirements Checklist for details.
Deadline
The deadline to complete CE is December 31. However, MLOs and Qualified Individuals in New Jersey are prohibited from applying to renew their license if they have not completed CE. Since it may take as long as seven (7) days for a course provider to report a course completion into NMLS, MLOs and Qualified Individuals are strongly encouraged not to wait until the last minute to try to complete CE or they may be prevented from submitting for renewal on time.
Continuing Education Requirements
MLO: Every state licensed MLO (in any approved status) is required to complete at least 8 hours of NMLS approved education annually beginning the year they are licensed (unless pre-license education was completed in the same year).
Annual CE must include 3 hours of Federal law, 2 hours of ethics (which shall include fraud, consumer protection, and fair lending issues), and 2 hours of non-traditional mortgage lending, plus 1 hour of NM-specific education (referred to as an elective).
Additional Persons: N/A
Deadline
The deadline to complete CE is December 31. However, MLOs in New Mexico are prohibited from applying to renew their license if they have not completed CE. Since it may take as long as seven (7) days for a course provider to report a course completion into NMLS, MLOs are strongly encouraged not to wait until the last minute to try to complete CE or they may be prevented from submitting for renewal on time.
Continuing Education Requirements
MLO: Every state licensed MLO (in any approved status) is required to complete at least 8 hours of NMLS approved education annually beginning the year they are licensed (unless pre-license education was completed in the same year).
Annual CE must include 3 hours of Federal law, 2 hours of ethics (which shall include fraud, consumer protection, and fair lending issues), and 2 hours of non-traditional mortgage lending, 1 hour of elective, plus 3 hours of NY-specific education (referred to as an elective).
*Alert: NY-DFI will not accept any hours of other state-specific education to count towards the 1 hour of elective. MLOs are advised to complete either an 11 hour NY Comprehensive course or an 8 hour Comprehensive course and a 3 hour NY elective course.
Additional Persons: N/A
Deadline
The deadline to complete CE is December 31. However, MLOs in New York are prohibited from applying to renew their license if they have not completed CE. Since it may take as long as seven (7) days for a course provider to report a course completion into NMLS, MLOs are strongly encouraged not to wait until the last minute to try to complete CE or they may be prevented from submitting for renewal on time.
Continuing Education Requirements
MLO: Every state licensed MLO (in any approved status) is required to complete at least 8 hours of NMLS approved education annually beginning the year they are licensed (unless pre-license education was completed in the same year).
Annual CE must include 3 hours of Federal law, 2 hours of ethics (which shall include fraud, consumer protection, and fair lending issues), and 2 hours of non-traditional mortgage lending, plus 1 hour of NC-specific education (referred to as an elective).
Additional Persons: N/A
Deadline
The deadline to complete CE is December 31. However, MLOs in North Carolina are prohibited from applying to renew their license if they have not completed CE. Since it may take as long as seven (7) days for a course provider to report a course completion into NMLS, MLOs are strongly encouraged not to wait until the last minute to try to complete CE or they may be prevented from submitting for renewal on time.
Continuing Education Requirements
MLO: Every state licensed MLO (in any approved status) is required to complete at least 8 hours of NMLS approved education annually beginning the year they are licensed (unless pre-license education was completed in the same year).
Annual CE must include 3 hours of Federal law, 2 hours of ethics (which shall include fraud, consumer protection, and fair lending issues), and 2 hours of non-traditional mortgage lending, plus one additional hour of undefined education (referred to as an elective).
Additional Persons: N/A
Deadline
The deadline to complete CE is December 31. However, MLOs in North Dakota are prohibited from applying to renew their license if they have not completed CE. Since it may take as long as seven (7) days for a course provider to report a course completion into NMLS, MLOs are strongly encouraged not to wait until the last minute to try to complete CE or they may be prevented from submitting for renewal on time.
Continuing Education Requirements
MLO: Every state licensed MLO (in any approved status) is required to complete at least 8 hours of NMLS approved education annually beginning the year they are licensed (unless pre-license education was completed in the same year).
Annual CE must include 3 hours of Federal law, 2 hours of ethics (which shall include fraud, consumer protection, and fair lending issues), and 2 hours of non-traditional mortgage lending, plus 1 hour of elective.
Additional Persons: N/A
Deadline
The deadline to complete CE is December 31. However, MLOs in Ohio are prohibited from applying to renew their license if they have not completed CE Since it may take as long as seven (7) days for a course provider to report a course completion into NMLS, MLOs are strongly encouraged not to wait until the last minute to try to complete CE or they may be prevented from submitting for renewal on time.
Continuing Education Requirements
MLO: Every state licensed MLO (in any approved status) is required to complete at least 8 hours of NMLS approved education annually beginning the year they are licensed (unless pre-license education was completed in the same year).
Annual CE must include 3 hours of Federal law, 2 hours of ethics (which shall include fraud, consumer protection, and fair lending issues), and 2 hours of non-traditional mortgage lending, plus one additional hour of undefined education (referred to as an elective).
Additional Persons: N/A
Deadline
The deadline to complete CE is December 31. However, MLOs in Oklahoma are prohibited from applying to renew their license if they have not completed CE. Since it may take as long as seven (7) days for a course provider to report a course completion into NMLS, MLOs are strongly encouraged not to wait until the last minute to try to complete CE or they may be prevented from submitting for renewal on time.
Continuing Education Requirements
MLO: Every state licensed MLO (in any approved status) is required to complete at least 8 hours of NMLS approved education annually beginning the year they are licensed (unless pre-license education was completed in the same year).
Annual CE must include 3 hours of Federal law, 2 hours of ethics (which shall include fraud, consumer protection, and fair lending issues), and 2 hours of non-traditional mortgage lending, plus 1 hour elective, plus 2 hours of OR-specific education (referred to as an elective).
Additional Persons: N/A
Deadline
The deadline to complete CE is December 31. However, MLOs in Oregon are prohibited from applying to renew their license if they have not completed CE. Since it may take as long as seven (7) days for a course provider to report a course completion into NMLS, MLOs are strongly encouraged not to wait until the last minute to try to complete CE or they may be prevented from submitting for renewal on time.
Continuing Education Requirements
MLO: Every state licensed MLO (in any approved status) is required to complete at least 8 hours of NMLS approved education annually beginning the year they are licensed (unless pre-license education was completed in the same year).
Annual CE must include 3 hours of Federal law, 2 hours of ethics (which shall include fraud, consumer protection, and fair lending issues), and 2 hours of non-traditional mortgage lending, plus 1 hour of PA-specific education (referred to as an elective).
Additional Persons: Qualified Individuals and Branch Managers. See the PA Renewal Requirements Checklist for details.
Deadline
The deadline to complete CE is December 31. However, MLOs in Pennsylvania are prohibited from applying to renew their license if they have not completed CE. Since it may take as long as seven (7) days for a course provider to report a course completion into NMLS, MLOs are strongly encouraged not to wait until the last minute to try to complete CE or they may be prevented from submitting for renewal on time.
Continuing Education Requirements
MLO: Every state licensed MLO (in any approved status) is required to complete at least 8 hours of NMLS approved education annually beginning the year they are licensed (unless pre-license education was completed in the same year).
Annual CE must include 3 hours of Federal law, 2 hours of ethics (which shall include fraud, consumer protection, and fair lending issues), and 2 hours of non-traditional mortgage lending, plus 1 hour of undefined education (referred to as an elective).
Additional Persons: N/A
Deadline
The deadline to complete CE is December 1. However, MLOs in Puerto Rico are prohibited from applying to renew their license if they have not completed CE. Since it may take as long as seven (7) days for a course provider to report a course completion into NMLS, MLOs are strongly encouraged not to wait until the last minute to try to complete CE or they may be prevented from submitting for renewal on time.
Continuing Education Requirements
MLO: Every state licensed MLO (in any approved status) is required to complete at least 8 hours of NMLS approved education annually beginning the year they are licensed (unless pre-license education was completed in the same year).
Annual CE must include 3 hours of Federal law, 2 hours of ethics (which shall include fraud, consumer protection, and fair lending issues), and 2 hours of non-traditional mortgage lending, plus 1 hour of RI-specific education (referred to as an elective).
Additional Persons: N/A
Deadline
The deadline to complete CE is December 31. However, MLOs in Rhode Island are prohibited from applying to renew their license if they have not completed CE. Since it may take as long as seven (7) days for a course provider to report a course completion into NMLS, MLOs are strongly encouraged not to wait until the last minute to try to complete CE or they may be prevented from submitting for renewal on time.
Continuing Education Requirements
MLO: Every state licensed MLO (in any approved status) is required to complete at least 8 hours of NMLS approved education annually beginning the year they are licensed (unless pre-license education was completed in the same year).
Annual CE must include 3 hours of Federal law, 2 hours of ethics (which shall include fraud, consumer protection, and fair lending issues), and 2 hours of non-traditional mortgage lending, plus 1 hour of SC-BFI-specific education (referred to as an elective).
Additional Persons: N/A
Deadline
The deadline to complete CE is December 31. However, MLOs with South Carolina-BFI are prohibited from applying to renew their license if they have not completed CE. Since it may take as long as seven (7) days for a course provider to report a course completion into NMLS, MLOs are strongly encouraged not to wait until the last minute to try to complete CE or they may be prevented from submitting for renewal on time.
Continuing Education Requirements
MLO: Every state licensed MLO (in any approved status) is required to complete at least 8 hours of NMLS approved education annually beginning the year they are licensed (unless pre-license education was completed in the same year).
Annual CE must include 3 hours of Federal law, 2 hours of ethics (which shall include fraud, consumer protection, and fair lending issues), and 2 hours of non-traditional mortgage lending, plus 1 hour of SC-DCA-specific education (referred to as an elective).
Additional Persons: N/A
Deadline
The deadline to complete CE is November 30. However, MLOs with South Carolina-DCA are prohibited from applying to renew their license if they have not completed CE. Since it may take as long as seven (7) days for a course provider to report a course completion into NMLS, MLOs are strongly encouraged not to wait until the last minute to try to complete CE or they may be prevented from submitting for renewal on time.
Continuing Education Requirements
MLO: Every state licensed MLO (in any approved status) is required to complete at least 8 hours of NMLS approved education annually beginning the year they are licensed (unless pre-license education was completed in the same year).
Annual CE must include 3 hours of Federal law, 2 hours of ethics (which shall include fraud, consumer protection, and fair lending issues), and 2 hours of non-traditional mortgage lending, plus one additional hour of undefined education (referred to as an elective).
Additional Persons: N/A
Deadline
The deadline to complete CE is December 31. However, MLOs in South Dakota are prohibited from applying to renew their license if they have not completed CE. Since it may take as long as seven (7) days for a course provider to report a course completion into NMLS, MLOs are strongly encouraged not to wait until the last minute to try to complete CE or they may be prevented from submitting for renewal on time.
Continuing Education Requirements
MLO: Every state licensed MLO (in any approved status) is required to complete at least 8 hours of TNLS approved education annually beginning the year they are licensed (unless pre-license education was completed in the same year).
Annual CE must include 3 hours of Federal law, 2 hours of ethics (which shall include fraud, consumer protection, and fair lending issues), and 2 hours of non-traditional mortgage lending, plus one additional hour of undefined education (referred to as an elective).
Additional Persons: N/A
Deadline
The deadline to complete CE is December 31. However, MLOs in Tennessee are prohibited from applying to renew their license if they have not completed CE. Since it may take as long as seven (7) days for a course provider to report a course completion into NMLS, MLOs are strongly encouraged not to wait until the last minute to try to complete CE or they may be prevented from submitting for renewal on time.
Continuing Education Requirements
MLO: Every state licensed MLO (in any approved status) is required to complete at least 8 hours of NMLS approved education annually beginning the year they are licensed (unless pre-license education was completed in the same year).
Annual CE education must include 3 hours of Federal law, 2 hours of ethics (which shall include fraud, consumer protection, and fair lending issues), and 2 hours of non-traditional mortgage lending, plus one additional hour of undefined education (referred to as an elective).
Additional Persons: N/A
Deadline
The deadline to complete CE is December 31. However, MLOs with Texas-OCCC are prohibited from applying to renew their license if they have not completed CE. Since it may take as long as seven (7) days for a course provider to report a course completion into NMLS, MLOs are strongly encouraged not to wait until the last minute to try to complete CE or they may be prevented from submitting for renewal on time.
Continuing Education Requirements
MLO: Every state licensed MLO (in any approved status) is required to complete at least 8 hours of NMLS approved education annually beginning the year they are licensed (unless pre-license education was completed in the same year).
Annual CE must include 3 hours of Federal law, 2 hours of ethics (which shall include fraud, consumer protection, and fair lending issues), and 2 hours of non-traditional mortgage lending, plus one additional hour of undefined education (referred to as an elective).
Additional Persons: N/A
Deadline
The deadline to complete CE is December 31. However, MLOs with Texas-SML are prohibited from applying to renew their license if they have not completed CE. Since it may take as long as seven (7) days for a course provider to report a course completion into NMLS, MLOs are strongly encouraged not to wait until the last minute to try to complete CE or they may be prevented from submitting for renewal on time.
Continuing Education Requirements
MLO: Every state licensed MLO (in any approved status) is required to complete at least 8 hours of NMLS approved education annually beginning the year they are licensed (unless pre-license education was completed in the same year).
Annual CE must include 3 hours of Federal law, 2 hours of ethics (which shall include fraud, consumer protection, and fair lending issues), and 2 hours of non-traditional mortgage lending, plus one additional hour of undefined education (referred to as an elective).
Additional Persons: N/A
Deadline
The deadline to complete CE is December 31. However, MLOs with Utah-DFI are prohibited from applying to renew their license if they have not completed CE. Since it may take as long as seven (7) days for a course provider to report a course completion into NMLS, MLOs are strongly encouraged not to wait until the last minute to try to complete CE or they may be prevented from submitting for renewal on time.
Continuing Education Requirements
MLO: Every state licensed MLO (in any approved status) is required to complete at least 8 hours of NMLS approved education annually beginning the year they are licensed (unless pre-license education was completed in the same year).
Annual CE must include 3 hours of Federal law, 2 hours of ethics (which shall include fraud, consumer protection, and fair lending issues), and 2 hours of non-traditional mortgage lending, plus one additional hour of undefined education (referred to as an elective) plus 2 hour Utah-approved specific annual update course (referred to as an elective).
NOTE: MLOs newly licensed by UT-DRE between November 1, 2021 - October 31, 2022, are required to complete a 5 hour post-licensure course before their first renewal. This 5 hour course is required and must be completed by October 24, 2022 to be able to request their renewal on November 1st, 2022, or the course must be completed by December 24, 2022 to request an on-time renewal. Send course completion certificate to realestate@utah.gov. This is in addition to the 10 hours of annual CE already required for MLOs (8hrs + 2hrs of UT-specific).
Additional Persons: N/A
Deadline
The deadline to complete both Federal and State CE is December 15. However, MLOs with Utah-DRE are prohibited from applying to renew their license if they have not completed CE. Since it may take as long as seven (7) days for a course provider to report a course completion into NMLS, MLOs are strongly encouraged not to wait until the last minute to try to complete CE or they may be prevented from submitting for renewal on time.
Continuing Education Requirements
MLO: Every state licensed MLO (in any approved status) is required to complete at least 8 hours of NMLS approved education annually beginning the year they are licensed (unless pre-license education was completed in the same year).
Annual CE must include 3 hours of Federal law, 2 hours of ethics (which shall include fraud, consumer protection, and fair lending issues), and 2 hours of non-traditional mortgage lending, plus one additional hour of undefined education (referred to as an elective).
Additional Persons: N/A
Deadline
The deadline to complete CE is December 1. However, MLOs in Vermont are prohibited from applying to renew their license if they have not completed CE. Since it may take as long as seven (7) days for a course provider to report a course completion into NMLS, MLOs are strongly encouraged not to wait until the last minute to try to complete CE or they may be prevented from submitting for renewal on time.
Continuing Education Requirements
MLO: Every state licensed MLO (in any approved status) is required to complete at least 8 hours of NMLS approved education annually beginning the year they are licensed (unless pre-license education was completed in the same year).
Annual CE must include 3 hours of Federal law, 2 hours of ethics (which shall include fraud, consumer protection, and fair lending issues), and 2 hours of non-traditional mortgage lending, plus one additional hour of undefined education (referred to as an elective).
Additional Persons: N/A
Deadline
The deadline to complete CE is December 31. However, MLOs in Virginia are prohibited from applying to renew their license if they have not completed CE. Since it may take as long as seven (7) days for a course provider to report a course completion into NMLS, MLOs are strongly encouraged not to wait until the last minute to try to complete CE or they may be prevented from submitting for renewal on time.
Continuing Education Requirements
MLO: Every state licensed MLO (in any approved status) is required to complete at least 8 hours of NMLS approved education annually beginning the year they are licensed (unless pre-license education was completed in the same year).
Annual CE education must include 3 hours of Federal law, 2 hours of ethics (which shall include fraud, consumer protection, and fair lending issues), and 2 hours of non-traditional mortgage lending, plus one additional hour of undefined education (referred to as an elective).
Additional Persons: N/A
Deadline
The deadline to complete CE is December 31. However, MLOs in the Virgin Islands are prohibited from applying to renew their license if they have not completed CE. Since it may take as long as seven (7) days for a course provider to report a course completion into NMLS, MLOs are strongly encouraged not to wait until the last minute to try to complete CE or they may be prevented from submitting for renewal on time.
Continuing Education Requirements
MLO: Every state licensed MLO (in any approved status) is required to complete at least 8 hours of NMLS approved education annually beginning the year they are licensed (unless pre-license education was completed in the same year).
Annual CE must include 3 hours of Federal law, 2 hours of ethics (which shall include fraud, consumer protection, and fair lending issues), and 2 hours of non-traditional mortgage lending,1 hour of elective, plus 1 hour of WA-specific education.
Additional Persons: N/A
Deadline
The deadline to complete CE is December 15. However, MLOs in Washington are prohibited from applying to renew their license if they have not completed CE. Since it may take as long as seven (7) days for a course provider to report a course completion into NMLS, MLOs are strongly encouraged not to wait until the last minute to try to complete CE or they may be prevented from submitting for renewal on time.
Continuing Education Requirements
MLO: Every state licensed MLO (in any approved status) is required to complete at least 8 hours of NMLS approved education annually beginning the year they are licensed (unless pre-license education was completed in the same year).
Annual CE must include 3 hours of Federal law, 2 hours of ethics (which shall include fraud, consumer protection, and fair lending issues), and 2 hours of non-traditional mortgage lending, plus 2 hours of WV specific education (referred to as an elective) .
Additional Persons: N/A
Deadline
The deadline to complete CE is November 1. However, MLOs in West Virginia are prohibited from applying to renew their license if they have not completed CE. Since it may take as long as seven (7) days for a course provider to report a course completion into NMLS, MLOs are strongly encouraged not to wait until the last minute to try to complete CE or they may be prevented from submitting for renewal on time.
Continuing Education Requirements
MLO: Every state licensed MLO (in any approved status) is required to complete at least 8 hours of NMLS approved education annually beginning the year they are licensed (unless pre-license education was completed in the same year).
Annual CE must include 3 hours of Federal law, 2 hours of ethics (which shall include fraud, consumer protection, and fair lending issues), and 2 hours of non-traditional mortgage lending, plus one additional hour of undefined education (referred to as an elective).
Additional Persons: N/A
Deadline
The deadline to complete CE is December 31. However, MLOs in Wisconsin are prohibited from applying to renew their license if they have not completed CE. Since it may take as long as seven (7) days for a course provider to report a course completion into NMLS, MLOs are strongly encouraged not to wait until the last minute to try to complete CE or they may be prevented from submitting for renewal on time.
Continuing Education Requirements
MLO: Every state licensed MLO (in any approved status) is required to complete at least 8 hours of NMLS approved education annually beginning the year they are licensed (unless pre-license education was completed in the same year).
Annual CE must include 3 hours of Federal law, 2 hours of ethics (which shall include fraud, consumer protection, and fair lending issues), and 2 hours of non-traditional mortgage lending, plus one additional hour of undefined education (referred to as an elective).
Additional Persons: N/A
Deadline
The deadline to complete CE is December 31. However, MLOs in Wyoming are prohibited from applying to renew their license if they have not completed CE. Since it may take as long as seven (7) days for a course provider to report a course completion into NMLS, MLOs are strongly encouraged not to wait until the last minute to try to complete CE or they may be prevented from submitting for renewal on time.
Notes:
- This online course features:
- Convenient self-paced instruction – Start today!
- Ability to view your progress and resume where you left off.
- Knowledge checks to help you prepare for the final exam.
- Interactive case studies, scenarios and activities (not all text-based).
- Instant grading of final exam.
- NMLS does not approve courses that are taken on a mobile device. Attempting to complete this course with any mobile device may disrupt your learning experience.
- As a reminder, the SAFE Act mandates that an MLO may not take the same course two years in a row.