Mortgage Loan Originator MLO State Specific Prelicensing and Continuing Education RequirementsFind the NMLS State Prelicensure Education (PE) and Nationwide Mortgage Licensing System Continuing Education (CE) requirements for each mortgage licensing agency. You can also find an agency's PE expiration status - if listed as "enacted" then that agency expires PE - and details on CE requirements. Show
Uniform CE Policy: As a condition for license renewal, an MLO is required to complete at least eight (8) hours of CE in the same year in which he/she is placed in an approved license status by a state agency, with the following exception: An MLO who has completed his/her pre-licensure education (PE) course requirements in the same year in which the license was approved, is not required to complete CE. SMART CE 2022 Deadlines: Complete CE early to submit your license renewal application on time. Your License is Your Business. SMART DEADLINE: CE course(s) reported to NMLS by Friday, December 9 States listed below have a state specific requirement different than the SAFE 20 hour comprehensive PE or SAFE act mandated 8 hours of CE if not listed then the base 20 hour and 8 hour requirements apply. States with MLO State Law Specific PE or CE
Prelicensure (PE) and Continuing (CE) Education Requirements per Agency: Click the Desired Regulatory Agency, or Scroll Down AL - Alabama Banking Department AK - Alaska Division of Banking & Securities AZ - Arizona Department of Financial Institutions AR - Arkansas Security Department CA-DFPI - California Department of Financial Protection and Innovation CA-DRE - California Department of Real Estate CO- Colorado Division of Real Estate CT - Connecticut Department of Banking DE - Delaware Office of the State Bank Commissioner DC - District of Columbia Department of Insurance, Securities and Banking FL - Florida Office of Financial Regulation GA - Georgia Department of Banking and Finance GU - Guam Department of Revenue and Taxation HI - Hawaii Division of Financial Institutions ID - Idaho Department of Finance IL - Illinois Department of Financial & Professional Regulation IN-DFI - Indiana Department of Financial Institutions IN-SOS - Indiana Secretary of State IA - Iowa Division of Banking KS - Kansas Office of the State Bank Commissioner KY - Kentucky Department of Financial Institutions LA - Louisiana Office of Financial Institutions ME - Maine Bureau of Consumer Credit Protection MD - Maryland Commissioner of Financial Regulation MA - Massachusetts Division of Banks MI - Michigan Department of Insurance and Financial Services MN - Minnesota Department of Commerce MS - Mississippi Department of Banking and Consumer Finance MO - Missouri Division of Finance MT - Montana Division of Banking & Financial Institutions NE - Nebraska Department of Banking and Finance NV - Nevada Division of Mortgage Lending NH - New Hampshire Banking Department NJ - New Jersey Department of Banking and Insurance NM - New Mexico Financial Institutions Division NY - New York Department of Financial Services NC - North Carolina Commissioner of Banks Office ND - North Dakota Department of Financial Institutions OH - Ohio Division of Financial Institutions OK - Oklahoma Department of Consumer Credit OR - Oregon Division of Financial Regulation PA - Pennsylvania Department of Banking and Securities PR - Puerto Rico Bureau of Financial Institutions RI - State of Rhode Island Department of Business Regulation SC-BFI - South Carolina Board of Financial Institutions SC-DCA - South Carolina Department of Consumer Affairs SD - South Dakota Division of Banking TN - Tennessee Department of Financial Institutions TX–SML - Texas Department of Savings and Mortgage Lending TX-OCCC - Texas Office of Consumer Credit Commissioner UT-DRE - Utah Division of Real Estate UT-DFI - Utah Department of Financial Institutions VT - Vermont Department of Financial Regulation VI - Virgin Islands Division of Banking and Insurance VA - Virginia Bureau of Financial Institutions WA - Washington Department of Financial Institutions WV - West Virginia Division of Financial Institutions WI - Wisconsin Department of Financial Institutions WY - Wyoming Division of Banking New DevelopmentsExisting or previous licensees, the requirements for reinstating or adding additional state licenses are changing this year: Some states are passing laws and regulations presently that will require the 20 hour prelicensing course to have been taken in the most recent three (3) years to qualify for a new license, a few states have had this for years, there may be further developments this year! AlabamaVisit Alabama license information page for more details Alabama MLO Prelicense Education RequirementsNew state-licensed MLO applicants are required to complete 20 hours of NMLS approved education, including 3 hours of federal laws, 3 hours of ethics (which shall include fraud, consumer protection, and fair lending issues), 2 hours of non traditional mortgage lending, plus 12 hours of undefined education (referred to as electives). Number of hours is 3/3/2/12 = 20 Alabama does not have a requirement for instruction on state-specific law. Continuing Education RequirementsEvery 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 PE 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). Number of hours is 3/2/2/1 = 8 MLOs are advised that to comply with the SAFE Act’s “successive years” rule, they not take the same CE course two years in a row. MLO’s are advised not to retake pre-licensure education (PE) unless directed to by a State Regulator. PE education does not count towards meeting annual CE requirements.
Alabama MLO CE DeadlineThe deadline to complete CE is December 31. However, MLOs in Alabama are prohibited from submitting an application 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. AlaskaVisit Alaska license information page for more details Alaska Prelicensure Education RequirementsNew state-licensed MLO applicants are required to complete 20 hours of NMLS approved education, including 3 hours of federal law, 3 hours of ethics (which shall include fraud, consumer protection, and fair lending issues), 2 hours of non traditional mortgage lending, plus 12 hours of undefined education (referred to as electives). Number of hours is 3/3/2/12 = 20 Alaska does not have a requirement for instruction on state-specific law. Continuing Education RequirementsEvery 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 PE 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). Number of hours is 3/2/2/1 = 8 MLOs are advised that to comply with the SAFE Act’s “successive years” rule, they may not take the same CE course two years in a row. MLO’s are advised not to retake pre-licensure education (PE) unless directed to by a State Regulator. PE education does not count towards meeting annual CE requirements.
Alaska MLO CE DeadlineThe deadline to complete CE is December 31. However, MLOs in Alaska are prohibited from submitting an application 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. ArizonaVisit Arizona license information page for more details Arizona MLO Prelicense Education RequirementsNew state-licensed MLO applicants are required to complete 20 hours of NMLS approved education WITHIN the last 3 years, including 3 hours of training related to federal law, 3 hours of ethics (which shall include fraud, consumer protection, and fair lending issues), 2 hours of non traditional mortgage lending, plus 8 hours of undefined education (referred to as electives) + 4 hours of AZ law. Number of hours is 3/3/2/8/+ 4hrs of AZ law = 20 Arizona has a requirement for 4 hours of instruction on state-specific laws which may be satisfied by either taking an AZ comprehensive course or a state-specific elective course. Note: PE must be completed within 3 years of a new or subsequent license application. Continuing Education RequirementsEvery 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 PE 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 (1) additional hour of AZ state-specific education (referred to as an elective). Number of hours is 3/2/2/+ 1hr of AZ law = 8 MLOs are advised that to comply with the SAFE Act’s “successive years” rule, they may not take the same CE course two years in a row.
Arizona MLO CE DeadlineThe deadline to complete CE is December 31. However, MLOs in Alaska are prohibited from submitting an application 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. ArkansasVisit Arkansas license information page for more details Arkansas MLO Prelicense Education RequirementsNew state-licensed MLO applicants are required to complete 20 hours of NMLS-approved education. This education must include 3 hours of Federal law, 3 hours of ethics (which shall include fraud, consumer protection, and fair lending issues), 2 hours of non-traditional mortgage lending, plus 12 hours of undefined education (referred to as electives). Number of hours is 3/3/2/12 = 20 Arkansas does not have a requirement for instruction on state-specific law. Continuing Education RequirementsEvery 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 PE 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 (1) additional hour of undefined education (referred to as an elective). Number of hours is 3/2/2/1 = 8 MLOs are advised that to comply with the SAFE Act’s “successive years” rule, they may not take the same CE course two years in a row. MLO’s are advised not to retake pre-licensure education (PE) unless directed to by a State Regulator. PE education does not count towards meeting annual CE requirements.
Arkansas MLO CE DeadlineThe deadline to complete CE is December 31. However, MLOs in Arkansas are prohibited from submitting an application 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. California – Department of Financial Protection and Innovation (DFPI)Click here to visit California license information page for more details California Prelicensing Education RequirementsNew state-licensed MLO applicants are required to complete 20 hours of NMLS-approved education. This education must include 3 hours of Federal law, 3 hours of ethics (which shall include fraud, consumer protection, and fair lending issues), 2 hours of non-traditional mortgage lending, plus 10 hours of undefined education (referred to as electives),+ 2 hours of CA-DBO law. Number of hours is 3/3/2/10/ + 2hrs of CA-DBO law = 20 California - DBO has a requirement for 2 hours of instruction on state-specific laws which may be satisfied by either taking a CA-DBO comprehensive course or a state-specific elective course. Continuing Education RequirementsEvery 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 PE 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), 2 hours of non-traditional mortgage lending, plus one (1) additional hour of CA-DBO specific education (referred to as an elective). Number of hours is 3/2/2/ + 1hr of agency law = 8 MLOs are advised that to comply with the SAFE Act’s “successive years” rule, they may not take the same CE course two years in a row. MLO’s are advised not to retake pre-licensure education (PE) unless directed to by a State Regulator. PE education does not count towards meeting annual CE requirements.
CA MLO CE DeadlineThe deadline to complete CE is December 31. However, MLOs with CA-DOC are prohibited from submitting an application 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. Am I required to take Continuing Education this year? If I completed SAFE Act PE in 2009-2021 and I was licensed in 2009-2022 am I required to complete CE in 2022 YES If I completed SAFE Act PE in 2009-2022 and I was approved for an initial license in 2022 am I required to complete CE in 2022 NoCA DRE MLO CE DeadlineThe deadline to complete CE is December 31. However, MLOs with CA-DRE are prohibited from submitting an application 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. ColoradoClick here to visit colorado licensing page for more information Pre-Licensure Education RequirementsNew state-licensed MLO applicants are required to complete 20 hours of NMLS approved education. This education must include 3 hours of Federal law, 3 hours of ethics (which shall include fraud, consumer protection, and fair lending issues), 2 hours of non-traditional mortgage lending, plus 10 hours of undefined education (referred to as electives),+ 2 hours of CO law. Number of hours is 3/3/2/10/ + 2hrs of CO law = 20 Colorado has a requirement for 2 hours of instruction on state-specific laws which may be satisfied by either taking a CO comprehensive course or a state-specific elective course. Colorado has a rule requiring currently unlicensed MLOs to have completed the prelicensing requirements in the most recent 3 years. Continuing Education RequirementsEvery 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 PE 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), 2 hours of non-traditional mortgage lending, plus one (1) additional hour of CO specific education (referred to as an elective). Number of hours is 3/2/2/ + 1hr of CO law = 8 MLOs are advised that to comply with the SAFE Act’s “successive years” rule, they may not take the same CE course two years in a row. MLO’s are advised not to retake pre-licensure education (PE) unless directed to by a State Regulator. PE education does not count towards meeting annual CE requirements.
CO MLO CE DeadlineThe deadline to complete CE is December 31. However, MLOs in Colorado are prohibited from submitting an application 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. ConnecticutClick here to visit Connecticuty licensing page for more information Connecticut Prelicensing Education RequirementsNew state-licensed MLOs are required to complete 20 hours of NMLS-approved education. This education must include 3 hours of Federal law, 3 hours of ethics (which shall include fraud, consumer protection, and fair lending issues), 2 hours of non-traditional mortgage lending, plus 12 hours of undefined education (referred to as electives) + 1 hour of CT law. Number of hours is 3/3/2/12/ + 1hr of CT law = 21 Note: PE must be completed within 3 years of a new or subsequent license application. Connecticut has a requirement for 1 hour of instruction on state-specific laws which may be satisfied by either taking a CT comprehensive course or a state-specific elective course. Continuing Education RequirementsEvery 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 PE 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 (1) additional hour of CT education (referred to as an elective). Number of hours is 3/2/2/ + 1hr of CT law = 8 MLOs are advised that to comply with the SAFE Act’s “successive years” rule, they may not take the same CE course two years in a row. MLO’s are advised not to retake pre-licensure education (PE) unless directed to by a State Regulator. PE education does not count towards meeting annual CE requirements.
CT MLO CE DeadlineThe deadline to complete CE is December 31. However, MLOs in Connecticut are prohibited from submitting an application 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. DelawareClick here for Delaware licensing page for more information Deleware Prelicensing Education RequirementsNew state-licensed MLOs are required to complete 20 hours of NMLS approved education. This education must include 3 hours of Federal law, 3 hours of ethics (which shall include fraud, consumer protection, and fair lending issues), 2 hours of non-traditional mortgage lending, plus 12 hours of undefined education (referred to as electives). Number of hours is 3/3/2/12 = 20 Delaware does not have a requirement for instruction on state-specific law. Continuing Education RequirementsEvery 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 PE 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 (1) additional hour of education (referred to as an elective). Number of hours is 3/2/2/1 = 8 MLOs are advised that to comply with the SAFE Act’s “successive years” rule, they may not take the same CE course two years in a row. MLO’s are advised not to retake pre-licensure education (PE) unless directed to by a State Regulator. PE education does not count towards meeting annual CE requirements.
DE MLO CE DeadlineThe deadline to complete CE is December 1. However, MLOs in Delaware are prohibited from submitting an application 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 prior to expiration of license. District of ColumbiaClick here to visit the Washington District of Columbia for more mortgage licensing information Washington DC Prelicensing Education RequirementsNew state-approved education. This education must include 3 hours of Federal law, 3 hours of ethics (which shall include fraud, consumer protection, and fair lending issues), 2 hours of non-traditional mortgage lending, plus 9 hours of undefined education (referred to as electives) + 3 hours of DC law. Number of hours is 3/3/2/9/+ 3hrs of DC law = 20 DC has a requirement for 3 hours of instruction on state-specific law which may be satisfied by either taking a DC comprehensive course or a state-specific elective course. Continuing Education RequirementsEvery 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 PE 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 (1) additional hour of DC-specific education (referred to as an elective). Number of hours is 3/2/2/+ 1hr of DC law = 8 MLOs are advised that to comply with the SAFE Act’s “successive years” rule, they may not take the same CE course two years in a row. MLO’s are advised not to retake pre-licensure education (PE) unless directed to by a State Regulator. PE education does not count towards meeting annual CE requirements.
DC MLO CE DeadlineThe deadline to complete CE is November 1. However, MLOs in DC are prohibited from submitting an application 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. <FloridaClick here to visit the Florida for more mortgage licensing information Florida Prelicensing Education RequirementsNew state-approved education. This education must include 3 hours of Federal law, 3 hours of ethics (which shall include fraud, consumer protection, and fair lending issues), 2 hours of non-traditional mortgage lending, 2 hours of Florida statute and regulation related training, plus 10 hours of undefined education (referred to as electives). Number of hours is 3/3/2/2/10 = 20 ** Update: Effective January 1, 2017 Florida accepts the Uniform State Test (UST) and imposed 2 hour of Florida state specific prelicensure education (PE)Continuing Education RequirementsEvery 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 PE 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 (1) additional hour of education on Florida specific laws and regulations (referred to as an elective). Number of hours is 3/2/2/1 = 8 MLOs are advised that to comply with the SAFE Act’s “successive years” rule, they may not take the same CE course two years in a row. MLO’s are advised not to retake pre-licensure education (PE) unless directed to by a State Regulator. PE education does not count towards meeting annual CE requirements. **Update: Beginning in 2017 and effective for 2018 renewals, Florida licensees now need to complete 8 hours of CE annually with one (1) hour included on Florida state specific laws and regulations.
FL MLO CE DeadlineThe deadline to complete CE is December 31. However, MLOs in Florida are prohibited from submitting an application 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. GeorgiaClick here to visit the Georgia mortgage licensing page for more information Georgia Prelicensing Education RequirementsNew state-approved education. This education must include 3 hours of Federal law, 3 hours of ethics (which shall include fraud, consumer protection, and fair lending issues), 2 hours of non-traditional mortgage lending, plus 12 hours of undefined education (referred to as electives). Number of hours is 3/3/2/12 = 20 Georgia does not have a requirement for instruction on state-specific law. Continuing Education RequirementsEvery 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 PE 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 (1) additional hour of GA-specific education (referred to as an elective). Number of hours is 3/2/2/+ 1hr of GA law = 8 MLOs are advised that to comply with the SAFE Act’s “successive years” rule, they may not take the same CE course two years in a row. MLO’s are advised not to retake pre-licensure education (PE) unless directed to by a State Regulator. PE education does not count towards meeting annual CE requirements.
The deadline to complete CE is October 31. However, MLOs in Georgia are prohibited from submitting an application 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 Note: GA will assess a $100 late fee outside of NMLS if CE is completed after October 31.GuamClick here to visit the Guam mortgage licensing page for more information Guam Prelicensing Education RequirementsNew state-licensed MLOs are required to complete 20 hours of NMLS approved education. This education must include 3 hours of Federal law, 3 hours of ethics (which shall include fraud, consumer protection, and fair lending issues), 2 hours of non-traditional mortgage lending, plus 12 hours of undefined education (referred to as electives). Number of hours is 3/3/2/12 = 20 Guam does not have a requirement for instruction on state-specific law. Continuing Education RequirementsEvery 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 PE 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 (1) additional hour of undefined education (referred to as an elective). Number of hours is 3/2/2/1 = 8 MLOs are advised that to comply with the SAFE Act’s “successive years” rule, they may not take the same CE course two years in a row. MLO’s are advised not to retake pre-licensure education (PE) unless directed to by a State Regulator. PE education does not count towards meeting annual CE requirements.
Guam MLO CE DeadlineThe deadline to complete CE is December 31. However, MLOs in Guam are prohibited from submitting an application 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 renewalHawaiiHawaii Mortgage Loan Originator MLO Licensing Page Hawaii Prelicensing Education RequirementsNew state-licensed MLOs are required to complete 20 hours of NMLS-approved education. This education must include 3 hours of Federal law, 3 hours of ethics (which shall include fraud, consumer protection, and fair lending issues), 2 hours of non-traditional mortgage lending, plus 12 hours of undefined education (referred to as electives). Number of hours is 3/3/2/9/+ 3hrs of HI Law = 20 Hawaii has a requirement for 3 hours of instruction on state-specific law which may be satisfied by either taking a HI comprehensive course or a statenspecific elective course. Upon completion of the pre-licensing education, an individual has up to twelve months to submit an application for licensure as a mortgage loan originator. An individual who submits an application after the twelve months have expired will be required to repeat the prelicensing education requirements. Continuing Education RequirementsEvery 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 PE 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 (1) additional hour of HI-specific education (referred to as an elective). Number of hours is 3/2/2 + 1hr of HI law = 8 MLOs are advised that to comply with the SAFE Act’s “successive years” rule, they may not take the same CE course two years in a row. MLO’s are advised not to retake pre-licensure education (PE) unless directed to by a State Regulator. PE education does not count towards meeting annual CE requirements.
HI MLO CE DeadlineThe deadline to complete CE is December 31. However, MLOs in Hawaii are prohibited from submitting an application 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.IdahoClick here to go to Idaho MLO licensing page Idaho Prelicensing Education RequirementsNew state-licensed must complete NMLS approved education. This education must include 3 hours of Federal law, 3 hours of ethics (which shall include fraud, consumer protection, and fair lending issues), 2 hours of non-traditional mortgage lending, plus 10 hours of undefined education (referred to as electives) + 2 hours of ID law. Number of hours is 3/3/2/10/+ 2hrs of ID law = 20 Idaho has a requirement for 2 hours of instruction on state-specific law which may be satisfied by either taking an ID comprehensive course or a state-specific elective course. Continuing Education RequirementsEvery 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 PE 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 (1) additional hour of ID-specific education (referred to as an elective). Number of hours is 3/2/2/+ 1hr of ID law = 8 MLOs are advised that to comply with the SAFE Act’s “successive years” rule, they may not take the same CE course two years in a row. MLO’s are advised not to retake pre-licensure education (PE) unless directed to by a State Regulator. PE education does not count towards meeting annual CE requirements.
Idaho MLO CE DeadlineThe deadline to complete CE is December 1. However, MLOs in Idaho are prohibited from submitting an application 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. IllinoisMortgage Loan Officer Loan Originator MLO Illinois Page Illinois Prelicensing Education RequirementsNew state--approved education. This education must include 3 hours of Federal law, 3 hours ethics, 2 hours traditional mortgage lending, plus 12 hours of undefined education (referred to as electives). Number of hours is 3/3/2/12 = 20 Illinois does not have a requirement for instruction on state-specific law. Continuing Education RequirementsEvery 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 PE 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). Number of hours is 3/2/2/1 = 8 MLOs are advised that to comply with the SAFE Act’s “successive years” rule, they may not take the same CE course two years in a row. MLO’s are advised not to retake pre-licensure education (PE) unless directed to by a State Regulator. PE education does not count towards meeting annual CE requirements.
Illinois MLO CE DeadlineThe deadline to complete CE is December 31. However, MLOs in Illinois are prohibited from submitting an application 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. Indiana DFIClick here for Indiana Mortgage Loan Originator MLO Page Indiana MLO Prelicensing Education RequirementsNew state licensed mortgage loan originators must complete 20 hours of nmls approved education. The training includes 3 hours of federal laws, 3 hours of ethics (which shall include fraud, consumer protection, and fair lending issues), 2 hours of non traditional mortgage lending, plus 12 hours of undefined education (referred to as electives). Number of hours is 3/3/2/12 = 20 Note: PE must be completed within 3 years of a new or subsequent license application. Indiana-DFI does not have a requirement for instruction on state-specific law. Continuing Education RequirementsEvery 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 PE 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 1 additional hour of undefined education (referred to as an elective). Number of hours is 3/2/2/1 = 8 MLOs are advised that to comply with the SAFE Act’s “successive years” rule, they may not take the same CE course two years in a row. MLO’s are advised not to retake pre-licensure education (PE) unless directed to by a State Regulator. PE education does not count towards meeting annual CE requirements.
Indiana DFI MLO CE DeadlineThe deadline to complete CE is December 31. However, MLOs with Indiana-DFI are prohibited from submitting an application 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. Indiana – SOSPre-Licensure Education RequirementsNew state licensees must complete NMLS approved education. This education must include 3 hours of Federal law, 3 hours of ethics and 2 hours -traditional mortgage lending, plus 10 hours of undefined education (referred to as electives) + 2 hours of IN law. Number of hours is 3/3/2/10/+ 2hrs of IN law = 20 Indiana-SOS has a requirement for 2 hours of instruction on IN-SOS specific lawwhich may be satisfied by either taking an IN comprehensive course or a state-specific elective course.Note: PE must be completed within 2 years of a new or subsequent license application. Continuing Education RequirementsEvery 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 PE 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 (1) additional hour of undefined education (referred to as an elective). Number of hours is 3/2/2/1 = 8 MLOs are advised that to comply with the SAFE Act’s “successive years” rule, they may not take the same CE course two years in a row. MLO’s are advised not to retake pre-licensure education (PE) unless directed to by a State Regulator. PE education does not count towards meeting annual CE requirements.
Indiana SOS MLO CE DeadlineThe deadline to complete CE is December 31. However, MLOs with Indiana-SOS are prohibited from submitting an application 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. IowaVisit Iowa MLO Licensing Page Iowa Prelicensing Education RequirementsNew state-licensed MLOs are required to complete 20 hours of NMLS approved education including 3 hours of federal law, 3 hours of ethics (which shall include fraud, consumer protection, and fair lending issues), 2 hours of non traditional mortgage lending, plus 12 hours of undefined education (referred to as electives). Number of hours is 3/3/2/12 = 20Note: PE must be completed within 3 years of a new or subsequent license application. Iowa does not have a requirement for instruction on state-specific law. Continuing Education RequirementsEvery 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 PE 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). Number of hours is 3/2/2/1 = 8 MLOs are advised that to comply with the SAFE Act’s “successive years” rule, they may not take the same CE course two years in a row. MLO’s are advised not to retake pre-licensure education (PE) unless directed to by a State Regulator. PE education does not count towards meeting annual CE requirements.
Iowa MLO CE DeadlineThe deadline to complete CE is December 1. However, MLOs in Iowa are prohibited from submitting an application 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. KansasClick to go to Kansas Mortgage Loan Officer or Originator Page Kansas Prelicensing Education RequirementsNew state-licensed MLO must complete NMLS approved education. This education must include 3 hours of Federal law, 3 hours of ethics and 2 hours of non -traditional mortgage lending, plus 12 hours of undefined education (referred to as electives). Number of hours is 3/3/2/12 = 20 Kansas does not have a requirement for instruction on state-specific law. Continuing Education RequirementsEvery 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 PE 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). Number of hours is 3/2/2/1 = 8 MLOs are advised that to comply with the SAFE Act’s “successive years” rule, they may not take the same CE course two years in a row. MLO’s are advised not to retake pre-licensure education (PE) unless directed to by a State Regulator. PE education does not count towards meeting annual CE requirements.
Kansas MLO CE DeadlineThe deadline to complete CE is December 1. However, MLOs in Kansas are prohibited from submitting an application 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. KentuckyKentucky Processors and MLO Education Page Kentucky MLO Prelicensure Education RequirementsNew state-licensed MLOs are required to complete 20 hours of NMLS approved education. The education includes 3 hours of federal law, 3 hours of ethics (which shall include fraud, consumer protection, and fair lending issues), 2 hours of non traditional mortgage lending, plus 12 hours of undefined education (referred to as electives). Number of hours is 3/3/2/12 = 20 Kentucky does not have a requirement for instruction on state-specific law. Continuing Education RequirementsEvery 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 PE 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, 1 hour of undefined education (referred to as an elective), plus 1 hours of KY-specific*. Number of hours is 3/2/2/1 + 1hrs of KY law = 8 *MLOs are required to complete 8 hours of CE every year; the requirement to take is 1 hours of KY-specific law is every year. Kentucky Mortgage Loan Processors must complete 8 hours of continuing education annually, including 1 hour of KY law. AAA Mortgage Training provides processor training and issues certificates for presentation during your KY examination.MLOs are advised that to comply with the SAFE Act’s “successive years” rule, they may not take the same CE course two years in a row. MLO’s are advised not to retake pre-licensure education (PE) unless directed to by a State Regulator. PE education does not count towards meeting annual CE requirements.
Kentucky MLO CE DeadlineThe deadline to complete CE is November 30. However, MLOs in Kentucky are prohibited from submitting an application 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. MaineMortgage Loan Originator MLO Education Information, Click Here Pre-Licensure Education RequirementsNew state-licensed MLOs are required to complete 20 hours of NMLS-approved education. This education must include 3 hours of Federal law, 3 hours of ethics (which shall include fraud, consumer protection, and fair lending issues), 2 hours of non-traditional mortgage lending, plus 12 hours of undefined education (referred to as electives). Number of hours is 3/3/2/12 = 20 Louisiana does not have a requirement for instruction on state-specific law. Continuing Education RequirementsEvery 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 PE 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). Number of hours is 3/2/2/1 = 8 MLOs are advised that to comply with the SAFE Act’s “successive years” rule, they may not take the same CE course two years in a row. MLO’s are advised not to retake pre-licensure education (PE) unless directed to by a State Regulator. PE education does not count towards meeting annual CE requirements.
Lousiana MLO CE DeadlineThe deadline to complete CE is December 31. 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. MaineMaine MLO Education for Loan Officer Licensing, Click Here Maine MLO Prelicensure Education RequirementsNew state-licensed mortgage loan originators must complete 20 hours of NMLS approved education. This education must include 3 hours of Federal law, 3 hours of ethics and 2 hours of non-traditional mortgage lending, plus 12 hours of undefined education (referred to as electives). Number of hours is 3/3/2/12 = 20 Maine does not have a requirement for instruction on state-specific law. Continuing Education RequirementsEvery 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 PE 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). Number of hours is 3/2/2/1 = 8 MLOs are advised that to comply with the SAFE Act’s “successive years” rule, they may not take the same CE course two years in a row. MLO’s are advised not to retake pre-licensure education (PE) unless directed to by a State Regulator. PE education does not count towards meeting annual CE requirements.
Maine MLO CE DeadlineThe deadline to complete CE is December 31. However, MLOs in Maine are prohibited from submitting an application 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. MarylandMaryland Page for MLO Education and Licensing Maryland MD MLO Prelicensure Education RequirementsNew state-licensed MLOs are required to complete 20 hours of NMLS approved education. This education must include 3 hours of Federal law, 3 hours of ethics (which shall include fraud, consumer protection, and fair lending issues), 2 hours of non-traditional mortgage lending, plus 7 hours of undefined education (referred to as electives) + 5 hours of MD law. Number of hours is 3/3/2/7/+ 5hrs of MD law = 20 Maryland has a requirement for 5 hours of instruction on state-specific lawwhich may be satisfied by either taking a MD comprehensive course or a state-specific elective course. Continuing Education RequirementsEvery MD Mortgage Lender licensee (in any approved status) is required to complete at least 8 hours of NMLS approved education annually beginning the first year of licensure (the chart below is NOT applicable to the Mortgage Lender licensee). The individual listed as the Qualifying Individual (on the MU1) must satisfy the CE requirement for the MU1 location and the individual listed as the Branch Manager (on the MU3) must satisfy the CE requirements for the MU3 location. 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 (1) additional hour of MD-specific education (referred to as an elective). Number of hours is 3/2/2/+ 1hr of MD law = 8 MLOs are advised that to comply with the SAFE Act’s “successive years” rule, they may not take the same CE course two years in a row. MLO’s are advised not to retake pre-licensure education (PE) unless directed to by a State Regulator. PE education does not count towards meeting annual CE requirements.
MD MLO CE DeadlineThe deadline to complete CE is December 31. However, both Mortgage Lender Licensees and MLOs in Maryland are prohibited from submitting an application 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. MassachussettsMA Mortgage Loan Originator Education Page for Massachusetts MLO Licensing Massachusetts MLO Prelicensure Education RequirementsNew state-licensed mortgage loan originators must complete 20 hours of NMLS approved education. This education must include 3 hours of Federal law, 3 hours of ethics and 2 hours of non-traditional mortgage lending, plus 9 hours of undefined education (referred to as electives) + 3 hours of MA law. Number of hours is 3/3/2/9/+ 3hrs of MA law = 20 Massachusetts has a requirement for 3 hours of instruction on state-specific lawwhich may be satisfied by either taking a MA comprehensive course or a state-specific elective course. Continuing Education RequirementsEvery 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 PE 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 (1) additional hour of MA-specific education (referred to as an elective). Number of hours is 3/2/2/+ 1hr of MA law = 8 MLOs are advised that to comply with the SAFE Act’s “successive years” rule, they may not take the same CE course two years in a row. MLO’s are advised not to retake pre-licensure education (PE) unless directed to by a State Regulator. PE education does not count towards meeting annual CE requirements.
MA MLO CE DeadlineThe deadline to complete CE is December 31, 2022. However, MLOs in Massachusetts are prohibited from submitting an application 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. MichiganMichigan MLO Click Here for MI Loan Originator Education Page Michigan MLO Prelicensure Education RequirementsNew state-licensed MLOs are required to complete 20 hours of NMLS approved education. This education must include 3 hours of Federal law, 3 hours of ethics (which shall include fraud, consumer protection, and fair lending issues), 2 hours of non-traditional mortgage lending, plus 12 hours of undefined education (referred to as electives). Number of hours is 3/3/2/10 + 2hr MI = 20 MI has a requirement for 2 hours of instruction on state-specific law which may be satisfied by either taking a MI comprehensive course or a state-specific elective course. Continuing Education RequirementsEvery 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 PE 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). Number of hours is 3/2/2/1 = 8 MLOs are advised that to comply with the SAFE Act’s “successive years” rule, they may not take the same CE course two years in a row. MLO’s are advised not to retake pre-licensure education (PE) unless directed to by a State Regulator. PE education does not count towards meeting annual CE requirements.
Michigan MLO CE DeadlineThe deadline to complete CE is December 31, 2022. However, MLOs in Michigan are prohibited from submitting an application 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. MinnesotaMN MLO Page, Click Here for Minnesota Mortgage Loan Originator MLO Education Minnesota MLO Prelicensure Education RequirementsNew state-licensed mortgage loan originators must complete 20 hours of NMLS approved education. This education must include 3 hours of Federal law, 3 hours of ethics and 2 hours of non-traditional mortgage lending, plus 12 hours of undefined education (referred to as electives). Number of hours is 3/3/2/12 = 20 Minnesota does not have a requirement for instruction on state-specific law. Continuing Education RequirementsEvery 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 PE 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 MN Law education (referred to as an elective). Number of hours is 3/2/2/1 = 8 MLOs are advised that to comply with the SAFE Act’s “successive years” rule, they may not take the same CE course two years in a row. MLO’s are advised not to retake pre-licensure education (PE) unless directed to by a State Regulator. PE education does not count towards meeting annual CE requirements.
MN MLO CE DeadlineThe deadline to complete CE is December 31, 2022. However, MLOs in Minnesota are prohibited from submitting an application 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. MississippiMississippi Loan Officer Education Page Mississippi MLO Prelicensing Education RequirementsNew state-licensed mortgage loan originators must complete 20 hours of NMLS approved education. This education must include 3 hours of Federal law, 3 hours of ethics and 2 hours of non-traditional mortgage lending, plus 12 hours of undefined education (referred to as electives). Number of hours is 3/3/2/8/+ 4hrs of MS law = 20 Mississippi has a requirement for 4 hours of instruction on state-specific law (MS S.A.F.E Mortgage Act)which may be satisfied by either taking a MS comprehensive course or a state-specific elective course. Continuing Education RequirementsEvery 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 PE 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, 1 hour of electives (MS SAFE Act of 2009). Number of hours is 3/2/2/1 MLOs are advised that to comply with the SAFE Act’s “successive years” rule, they may not take the same CE course two years in a row. MLO’s are advised not to retake pre-licensure education (PE) unless directed to by a State Regulator. PE education does not count towards meeting annual CE requirements.
MS MLO CE DeadlineThe deadline to complete CE is December 31. However, MLOs in Mississippi are prohibited from submitting an application 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. MissouriClick Here to MO Missouri Mortgage Loan Originator MLO Education Page Missouri MLO Prelicensure Education RequirementsNew state-licensed mortgage loan originators must complete 20 hours of NMLS approved education. This education must include 3 hours of Federal law, 3 hours of ethics and 2 hours of non-traditional mortgage lending, plus 12 hours of undefined education (referred to as electives). Number of hours is 3/3/2/12 = 20 Missouri does not have a requirement for instruction on state-specific law. Continuing Education RequirementsEvery 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 PE 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 (1) additional hour of MO-specific education (referred to as an elective). Number of hours is 3/2/2/ plus 1hr of MO law = 8 MLOs are advised that to comply with the SAFE Act’s “successive years” rule, they may not take the same CE course two years in a row. MLO’s are advised not to retake pre-licensure education (PE) unless directed to by a State Regulator. PE education does not count towards meeting annual CE requirements.
MO MLO CE DeadlineThe deadline to complete CE is December 31. 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. MontanaMT Mortgage Loan Originator Montana Loan Officer Education Page Montana MLO Prelicensing educationNew state-licensed MLOs are required to complete 20 hours of NMLS hours of ethics (which shall include fraud, consumer protection, and fair lending issues), 2 hours of non of undefined education (referred to as electives). Number of hours is 3/3/2/10 + 2hrs of MT law = 20 Montana has requirement for 2 hours of instruction on state-specific lawwhich may be satisfied by either taking a MT comprehensive course or a state-specific elective course. Continuing Education RequirementsEvery 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 PE 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 1 hour of undefined education (referred to as an elective). Number of hours is 3/2/2/1= 8 MLOs are advised that to comply with the SAFE Act’s “successive years” rule, they may not take the same CE course two years in a row. MLO’s are advised not to retake pre-licensure education (PE) unless directed to by a State Regulator. PE education does not count towards meeting annual CE requirements.
MT MLO CE DeadlineThe deadline to complete CE is December 31. However, MLOs in Montana are prohibited from submitting an application 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. NebraskaGo to Nebraska Mortgage Loan Originator Page for NE Loan Officer Education Nebraska MLO Prelicensure Education RequirementsNew state-licensed mortgage loan originators must complete 20 hours of NMLS approved education. This education must include 3 hours of Federal law, 3 hours of ethics and 2 hours of non-traditional mortgage lending, plus 12 hours of undefined education (referred to as electives). Number of hours is 3/3/2/12/+ 2hrs NE law = 22 NE has a requirement for 2 hours of instruction on state-specific law which may be satisfied by either taking a NE comprehensive course or a state-specific elective course. Continuing Education RequirementsEvery 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 PE 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). Number of hours is 3/2/2/1 = 8 MLOs are advised that to comply with the SAFE Act’s “successive years” rule, they may not take the same CE course two years in a row. MLO’s are advised not to retake pre-licensure education (PE) unless directed to by a State Regulator. PE education does not count towards meeting annual CE requirements.
NE MLO CE DeadlineThe deadline to complete CE is December 31. However, MLOs in Nebraska are prohibited from submitting an application 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. NevadaVisit Nevada page for more details Nevada MLO Prelicensure Education RequirementsNew state-licensed MLOs are required to complete 30 hours of NMLS hours of ethics (which shall include fraud, consumer protection, and fair lending issues), 2 hours of non traditional mortgage lending, 18 hours of undefined education (referred to as electives) + 4 hours of NV law. Number of hours is 3/3/2/18/+ 4hrs of NV law = 30 Nevada has a requirement for 4 hours of instruction on state-specific lawwhich may be satisfied by either taking a NV comprehensive course or a state-specific elective course. Continuing Education RequirementsEvery 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 PE 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 3 hours of NV specific education. Number of hours is 3/2/2/+ 3hrs of NV law = 10 MLOs are advised that to comply with the SAFE Act’s “successive years” rule, they may not take the same CE course two years in a row. MLO’s are advised not to retake pre-licensure education (PE) unless directed to by a State Regulator. PE education does not count towards meeting annual CE requirements.
NV MLO CE DeadlineThe deadline to complete CE is December 31. However, MLOs in Nevada are prohibited from submitting an application 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. New HampshireVisit New Hampshire page for more details New Hampshire MLO Prelicensure Education RequirementsNew state licensees need 20 hours of approved education. Training includes 3 hours of federal law, 3 hours of ethics (which shall include fraud, consumer protection, and fair lending issues), 2 hours of non-traditional mortgage lending, plus 10 hours of undefined education (referred to as electives) + 2 hours of NH law. Number of hours is 3/3/2/10 + 2hrs of NH law = 20 New Hampshire has a requirement for 2 hours of instruction on state-specific law which may be satisfied by either taking a NH comprehensive course or a state-specific elective course. Continuing Education RequirementsEvery 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 PE 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). Number of hours is 3/2/2/1 = 8 MLOs are advised that to comply with the SAFE Act’s “successive years” rule, they may not take the same CE course two years in a row. MLO’s are advised not to retake pre-licensure education (PE) unless directed to by a State Regulator. PE education does not count towards meeting annual CE requirements.
NH MLO CE DeadlineThe deadline to complete CE is December 31. However, MLOs in New Hampshire are prohibited from submitting an application 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. New JerseyVisit New Jersey page for more details New Jersey MLO Prelicensure Education RequirementsNew state-licensed MLOs and Qualified Individuals are required to complete 20 hours of NMLS-approved education. This education must include 3 hours of Federal law, 3 hours of ethics (which shall include fraud, consumer protection, and fair lending issues), 2 hours of non-traditional mortgage lending, 8 hours of undefined education (referred to as electives) + 4 hours of NJ law. Number of hours is 3/3/2/8/+ 4hrs of NJ law = 20 New Jersey has a requirement for 4 hours of instruction on state-specific law which may be satisfied by either taking a comprehensive NJ course or a state-specific elective course. Continuing Education RequirementsEvery 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 PE 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, 3 hours of electives, plus 2 hours of NJ-specific education. Number of hours is 3/2/2/3 + 2hrs of NJ law = 12 MLOs are advised that to comply with the SAFE Act’s “successive years” rule, they may not take the same CE course two years in a row. MLO’s are advised not to retake pre-licensure education (PE) unless directed to by a State Regulator. PE education does not count towards meeting annual CE requirements.
NJ MLO CE DeadlineThe deadline to complete CE is December 31. However, MLOs and Qualified Individuals in New Jersey are prohibited from submitting an application 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. New MexicoVisit New Mexico page for more details New Mexico MLO Prelicensure Education RequirementsNew state-licensed MLOs and Qualified Individuals are required to complete 20 hours of NMLS-approved education. This education must include 3 hours of Federal law, 3 hours of ethics (which shall include fraud, consumer protection, and fair lending issues), 2 hours of non-traditional mortgage lending, 9 hours of undefined education (referred to as electives) + 3 hours of NM law. Number of hours is 3/3/2/9/+ 3hrs of NM law = 20 New Mexico has a requirement for 3 hours of instruction on state-specific lawwhich may be satisfied by either taking a NM comprehensive course or a state-specific elective course. Continuing Education RequirementsEvery 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 PE 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 1 hour of NMspecific education. Number of hours is 3/2/2/+ 1hr of NM law = 8 MLOs are advised that to comply with the SAFE Act’s “successive years” rule, they may not take the same CE course two years in a row. MLO’s are advised not to retake pre-licensure education (PE) unless directed to by a State Regulator. PE education does not count towards meeting annual CE requirements.
NM MLO CE DeadlineThe deadline to complete CE is December 31. However, MLOs in New Mexico are prohibited from submitting an application 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. New YorkVisit New York page for more details New York MLO Prelicensure Education RequirementsNew state-licensed MLOs are required to complete 20 hours of NMLS approved education. This education must include 3 hours of Federal law, 3 hours of ethics (which shall include fraud, consumer protection, and fair lending issues), 2 hours of non-traditional mortgage lending, 9 hours of undefined education (referred to as electives) + 3 hours of NY law. Number of hours is 3/3/2/9/+ 3hrs of NY law = 20 New York has a requirement for 3 hours of instruction on state-specific law which may be satisfied by either taking a NY comprehensive course or a state-specific elective course. Continuing Education RequirementsEvery 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 PE 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, 1 hour of elective, plus 3 hours of NY-specific education. Number of hours is 3/2/2/1 + 3hr of NY law =11 Note: 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. MLOs are advised that to comply with the SAFE Act’s “successive years” rule, they may not take the same CE course two years in a row.
NY MLO CE DeadlineThe deadline to complete CE is December 31. However, MLOs in New York are prohibited from submitting an application 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. North CarolinaVisit North Carolina page for more details North Carolina MLO Prelicensure Education RequirementsNew state-licensed MLOs are required to complete 24 hours of NMLS approved course. The training includes 3 hours of federal law, 3 hours of ethics (which shall include fraud, consumer protection, and fair lending issues), 2 hours of non-traditional mortgage lending, 12 hours of undefined education (referred to as electives) + 4 hours of NC law. Number of hours is 3/3/2/12/+ 4hrs of NC law = 24 North Carolina has a requirement for 4 hours of instruction on state-specific lawwhich may be satisfied by either taking a NC comprehensive course or a state-specific elective course. Note: PE must be completed within 3 years of a new or subsequent license application. Continuing Education RequirementsEvery 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 PE 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 1 hour of NCspecific education. Number of hours is 3/2/2/ + 1hr of NC law =8 MLOs are advised that to comply with the SAFE Act’s “successive years” rule, they may not take the same CE course two years in a row.
NC MLO CE DeadlineThe deadline to complete CE is December 31, 2022. However, MLOs in North Carolina are prohibited from submitting an application 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. North DakotaVisit North Dakota page for more details North Dakota MLO Prelicensure Education RequirementsNew state-licensed MLOs are required to complete 20 hours of NMLS approved education. This education must include 3 hours of Federal law, 3 hours of ethics (which shall include fraud, consumer protection, and fair lending issues), 2 hours of non-traditional mortgage lending, plus 12 hours of undefined education (referred to as electives). Number of hours is 3/3/2/12 = 20 North Dakota does not have a requirement for instruction on state-specific law. Continuing Education RequirementsEvery 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 PE 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). Number of hours is 3/2/2/1 = 8 MLOs are advised that to comply with the SAFE Act’s “successive years” rule, they may not take the same CE course two years in a row. MLO’s are advised not to retake pre-licensure education (PE) unless directed to by a State Regulator. PE education does not count towards meeting annual CE requirements.
North Dakota MLO CE DeadlineThe deadline to complete CE is December 31. However, MLOs in North Dakota are prohibited from submitting an application 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. OhioVisit Ohio page for more details Ohio MLO Prelicensure Education RequirementsNew state-licensed MLOs are required to complete 24* hours of NMLS approved education. The training includes 3 hours of federal law, 3 hours of ethics (which shall include fraud, consumer protection, and fair lending issues), 2 hours of non-traditional mortgage lending, 12 hours of undefined education (referred to as electives) + 4 hours of OH OMBA law. Number of hours is 3/3/2/12/+ 4hrs of OH law = 24Ohio has a requirement for 4 hours of instruction on state-specific lawwhich may be satisfied by either taking an OH comprehensive course or a state-specific elective course. Note: Only applicants under OMBA must take the additional 4hrs of education. OMLA applicants only require 20 hours. PE must be taken in the most recent 5 years per 1322.20 (B) Continuing Education RequirementsEvery 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 PE 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 1 hour of elective. Number of hours is 3/2/2/1 = 8 MLOs are advised that to comply with the SAFE Act’s “successive years” rule, they may not take the same CE course two years in a row. MLO’s are advised not to retake pre-licensure education (PE) unless directed to by a State Regulator. PE education does not count towards meeting annual CE requirements.
OH MLO CE DeadlineThe deadline to complete CE is December 31. 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. OklahomaVisit Oklahoma page for more details Oklahoma MLO Prelicensure Education RequirementsNew state-licensed MLOs are required to complete 20 hours of NMLS approved education, 3 hours on federal law, 3 hours of ethics (which shall include fraud, consumer protection, and fair lending issues), 2 hours of non-traditional mortgage lending, plus 12 hours of undefined education (referred to as electives). Number of hours is 3/3/2/11+ 1 Hour of OK Law = 20 Oklahoma has a requirement for 1 hour of instruction on state-specific law which may be satisfied by either taking an OK comprehensive course or a state-specific elective course. Continuing Education RequirementsEvery 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 PE 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). Number of hours is 3/2/2/1 = 8 MLOs are advised that to comply with the SAFE Act’s “successive years” rule, they may not take the same CE course two years in a row. MLO’s are advised not to retake pre-licensure education (PE) unless directed to by a State Regulator. PE education does not count towards meeting annual CE requirements.
OK MLO CE DeadlineThe deadline to complete CE is December 31. However, MLOs in Oklahoma are prohibited from submitting an application 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. OregonVisit Oregon page for more details Oregon MLO Prelicensure Education RequirementsNew state-licensed mortgage loan originators must complete 20 hours of NMLS approved education. This education must include 3 hours of Federal law, 3 hours of ethics and 2 hours of non-traditional mortgage lending, plus 8 hours of undefined education (referred to as electives) + 4hrs of OR law. Number of hours is 3/3/2/8 + 4 hrs of OR law = 20 Note: PE must be completed within 3 years of a new or subsequent license application.Oregon has a requirement for 4 hours of instruction on state-specific law which may be satisfied by either taking an OR comprehensive course or a state-specific elective course. Continuing Education RequirementsEvery 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 PE 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 1 hour elective + 2 hours of OR - specific education. Number of hours is 3/2/2/3 = 10 MLOs are advised that to comply with the SAFE Act’s “successive years” rule, they may not take the same CE course two years in a row. MLO’s are advised not to retake pre-licensure education (PE) unless directed to by a State Regulator. PE education does not count towards meeting annual CE requirements.
Oregon MLO CE DeadlineThe deadline to complete CE is December 31. However, MLOs in Oregon are prohibited from submitting an application 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. PennsylvaniaVisit Pennsylvania page for more details Pennsylvania MLO Prelicensure Education RequirementsNew state-licensed mortgage loan originators must complete 20 hours of NMLS approved education. This education must include 3 hours of Federal law, 3 hours of ethics and 2 hours of non-traditional mortgage lending, plus 9 hours of undefined education (referred to as electives) + 3 hours of PA law. Number of hours is 3/3/2/9/+ 3hrs of PA law = 20 Pennsylvania has a requirement for 3 hours of instruction on state-specific lawwhich may be satisfied by either taking a PA comprehensive course or a state-specific elective course. Continuing Education RequirementsEvery 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 PE 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 1 hour of PAspecific education. Number of hours is 3/2/2/ + 1hr of PA law =8 MLOs are advised that to comply with the SAFE Act’s “successive years” rule, they may not take the same CE course two years in a row.
PA MLO CE DeadlineThe deadline to complete CE is December 31. However, MLOs in Pennsylvania are prohibited from submitting an application 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. Puerto RicoVisit Puerto Rico page for more details Puerto Rico MLO Prelicensure Education RequirementsNew state-licensed mortgage loan originators must complete 20 hours of NMLS approved education. This education must include 3 hours of Federal law, 3 hours of ethics and 2 hours of non-traditional mortgage lending, plus 12 hours of undefined education (referred to as electives). Number of hours is 3/3/2/12 = 20 Puerto Rico does not have a requirement for instruction on state-specific law. Continuing Education RequirementsEvery 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 PE 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 1 hour of undefined education (referred to as an elective). Number of hours is 3/2/2/1 = 8 MLOs are advised that to comply with the SAFE Act’s “successive years” rule, they may not take the same CE course two years in a row. MLO’s are advised not to retake pre-licensure education (PE) unless directed to by a State Regulator. PE education does not count towards meeting annual CE requirements.
PR MLO CE DeadlineThe deadline to complete CE is December 1. However, MLOs in Puerto Rico are prohibited from submitting an application 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. Rhode IslandVisit Rhode Island page for more details Rhode Island MLO Prelicensure Education RequirementsNew state-licensed mortgage loan originators must complete 20 hours of NMLS approved education. This education must include 3 hours of Federal law, 3 hours of ethics and 2 hours of non-traditional mortgage lending, plus 9 hours of undefined education (referred to as electives) + 3 hours of RI law. Number of hours is 3/3/2/9/+ 3hrs of RI law = 20 Rhode Island has a requirement for 3 hours of instruction on state-specific lawwhich may be satisfied by either taking a RI comprehensive course or a state-specific elective course. Continuing Education RequirementsEvery 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 PE 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 1 hour of RIspecific education. Number of hours is 3/2/2/ + 1hr of RI law =8 MLOs are advised that to comply with the SAFE Act’s “successive years” rule, they may not take the same CE course two years in a row. MLO’s are advised not to retake pre-licensure education (PE) unless directed to by a State Regulator. PE education does not count towards meeting annual CE requirements.
RI MLO CE DeadlineThe deadline to complete CE is December 31. However, MLOs in Rhode Island are prohibited from submitting an application 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. South Carolina – BFIVisit South Carolina page for more details South Carolina BFI MLO Prelicensure Education RequirementsNew state-licensed mortgage loan originators must complete 20 hours of NMLS approved education. This education must include 3 hours of Federal law, 3 hours of ethics and 2 hours of non-traditional mortgage lending, 3 hours south carolina law plus 9 hours of undefined education (referred to as electives). Number of hours is 3/3/2/3/9 = 20 South Carolina-BFI does have a 3 hour state law requirement for instruction on state-specific law. Continuing Education RequirementsEvery 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 PE 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 SC law education (referred to as an elective). Number of hours is 3/2/2/1 = 8 MLOs are advised that to comply with the SAFE Act’s “successive years” rule, they may not take the same CE course two years in a row. MLO’s are advised not to retake pre-licensure education (PE) unless directed to by a State Regulator. PE education does not count towards meeting annual CE requirements.
SC BFI MLO CE DeadlineThe deadline to complete CE is December 31. However, MLOs with South Carolina-BFI are prohibited from submitting an application 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. South Carolina – DCASouth Carolina MLO Prelicensure Education RequirementsNew state-licensed mortgage loan originators must complete 20 hours of NMLS approved education. This education must include 3 hours of Federal law, 3 hours of ethics and 2 hours of non-traditional mortgage lending, 3 hours SC law, plus 9 hours of undefined education (referred to as electives). Number of hours is 3/3/2/3/9 = 20 South Carolina-DCA does have a 3 hour SC law requirement for instruction on state-specific law. Continuing Education RequirementsEvery 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 PE 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 SC law education (referred to as an elective). Number of hours is 3/2/2/1 = 8 MLOs are advised that to comply with the SAFE Act’s “successive years” rule, they may not take the same CE course two years in a row. MLO’s are advised not to retake pre-licensure education (PE) unless directed to by a State Regulator. PE education does not count towards meeting annual CE requirements.
SC DCA MLO CE DeadlineThe deadline to complete CE is December 31. However, MLOs with South Carolina-DCA are prohibited from submitting an application 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. South DakotaVisit South Dakota page for more details South Dakota MLO Prelicensure Education RequirementsNew state-licensed mortgage loan originators must complete 20 hours of NMLS approved education. This education must include 3 hours of Federal law, 3 hours of ethics and 2 hours of non-traditional mortgage lending, plus 12 hours of undefined education (referred to as electives). Number of hours is 3/3/2/12 = 20 South Dakota does not have a requirement for instruction on state-specific law. Continuing Education RequirementsEvery 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 PE 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). Number of hours is 3/2/2/1 = 8 MLOs are advised that to comply with the SAFE Act’s “successive years” rule, they may not take the same CE course two years in a row. MLO’s are advised not to retake pre-licensure education (PE) unless directed to by a State Regulator. PE education does not count towards meeting annual CE requirements.
SD MLO CE DeadlineThe deadline to complete CE is December 31, 2022. However, MLOs in South Dakota are prohibited from submitting an application 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. TennesseeVisit Tennessee page for more details Tennessee MLO Prelicensure Education RequirementsNew state-licensed mortgage loan originators must complete 20 hours of NMLS approved education. This education must include 3 hours of Federal law, 3 hours of ethics and 2 hours of non-traditional mortgage lending, plus 12 hours of undefined education (referred to as electives) + 2 hours state specific law. Number of hours is 3/3/2/10/+ 2hrs of TN law = 20 TN has a requirement for 2 hours of instruction on state-specific law which may be satisfied by either taking a TN comprehensive course or a state-specific elective course. . Continuing Education RequirementsEvery 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 PE 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). Number of hours is 3/2/2/1 = 8 MLOs are advised that to comply with the SAFE Act’s “successive years” rule, they may not take the same CE course two years in a row. MLO’s are advised not to retake pre-licensure education (PE) unless directed to by a State Regulator. PE education does not count towards meeting annual CE requirements.
TN MLO CE DeadlineThe deadline to complete CE is December 31. However, MLOs in Tennessee are prohibited from submitting an application 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. Texas – OCCCVisit Texas page for more details Pre-Licensure Education RequirementsNew state-licensed mortgage loan originators must complete 20 hours of NMLS approved education. This education must include 3 hours of Federal law, 3 hours of ethics and 2 hours of non-traditional mortgage lending, plus 12 hours of undefined education (referred to as electives). Number of hours is 3/3/2/12 = 20 Texas-OCCC does not have a requirement for instruction on state-specific law. Note: PE must be completed within 3 years of a new or subsequent license application. (law passed by Texas legislature, rules expected to support 3 year requirement immediately) Continuing Education RequirementsEvery 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 PE 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). Number of hours is 3/2/2/1 = 8 MLOs are advised that to comply with the SAFE Act’s “successive years” rule, they may not take the same CE course two years in a row. MLO’s are advised not to retake pre-licensure education (PE) unless directed to by a State Regulator. PE education does not count towards meeting annual CE requirements.
TX OCC MLO CE Deadline The deadline to complete CE is December 31. However, MLOs with Texas-OCCC are prohibited from submitting an application 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. Texas – SMLTexas MLO Prelicensure Education RequirementsNew state-licensed mortgage loan originators must complete 23 hours of NMLS approved education. This education must include 3 hours of Federal law, 3 hours of ethics and 2 hours of non-traditional mortgage lending, plus 12 hours of undefined education (referred to as electives). Number of hours is 3/3/2/12 + 3hrs of TX-SML law = 23 TX-SM has a requirement for 3 hours of instruction on state-specific law which may be satisfied by either taking a TX comprehensive course or a state-specific elective course.Note: PE must be completed within 3 years of a new or subsequent license application. (law passed by Texas legislature, rules expected to support 3 year requirement immediately) Continuing Education RequirementsEvery 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 PE 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). Number of hours is 3/2/2/1 = 8 MLOs are advised that to comply with the SAFE Act’s “successive years” rule, they may not take the same CE course two years in a row. MLO’s are advised not to retake pre-licensure education (PE) unless directed to by a State Regulator. PE education does not count towards meeting annual CE requirements.
DeadlineThe deadline to complete CE is December 31, 2022. However, MLOs with Texas-SML are prohibited from submitting an application 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. Utah – DFIVisit Utah page for more details Pre-Licensure Education RequirementsNew state-licensed mortgage loan originators must complete 20 hours of NMLS approved education. This education must include 3 hours of Federal law, 3 hours of ethics and 2 hours of non-traditional mortgage lending, plus 12 hours of undefined education (referred to as electives). Number of hours is 3/3/2/12 = 20 Utah-DFI does not have a requirement for instruction on state-specific law. Continuing Education RequirementsEvery 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 PE 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). Number of hours is 3/2/2/1 = 8 MLOs are advised that to comply with the SAFE Act’s “successive years” rule, they may not take the same CE course two years in a row. MLO’s are advised not to retake pre-licensure education (PE) unless directed to by a State Regulator. PE education does not count towards meeting annual CE requirements.
DeadlineThe deadline to complete CE is December 31, 2022. However, MLOs with Utah-DFI are prohibited from submitting an application 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. Utah – DREUtah DRE MLO Prelicensing Education RequirementsNew state-licensed MLOs are required to complete 20 hours of NMLS approved education. NMLS approved education must include 3 hours of Federal law, 3 hours of ethics (which shall include fraud, consumer protection, and fair lending issues), 2 hours of non-traditional mortgage lending, plus 12 hours of undefined education (referred to as electives). Number of hours is 3/3/2/12 = 20 UT-DRE also has an additional requirement of 15 hours of UT-DRE approved instruction. Continuing Education RequirementsEvery 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 PE 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) plus 2 hour Utah-approved specific annual update course. Number of hours is 3/2/2/1 + 2hr UT annual update course = 10 NOTE: Effective 2018, MLOs licensed by UT-DRE after May 8, 2017, are required to complete a 5hr post-licensure course. This is in addition to the 10 hours of annual CE already required for MLOs (8hrs + 2hrs of UT-specific). The 5 hr post-licensure course is for MLOs licensed by UT-DRE from May 8th 2017 to December 31, 2017 and is required to be completed by October 21, 2018. MLOs are advised that to comply with the SAFE Act’s “successive years” rule, they may not take the same CE course two years in a row. MLO’s are advised not to retake pre-licensure education (PE) unless directed to by a State Regulator. PE education does not count towards meeting annual CE requirements.
UT DRE MLO CE DeadlineThe deadline to complete CE is December 15, 2022. However, MLOs with Utah-DRE are prohibited from submitting an application 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. VermontVisit Vermont page for more details Vermont MLO Prelicensure Education RequirementsNew state-licensed MLOs are required to complete 20 hours of NMLS approved education including 3 hours of federal law, 3 hours of ethics (which shall include fraud, consumer protection, and fair lending issues), 2 hours of non traditional mortgage lending, plus 12 hours of undefined education (referred to as electives). Number of hours is 3/3/2/10/+ 2hrs of VT law = 20 VT has a requirement for 2 hours of instruction on state-specific law which may be satisfied by either taking a VT comprehensive course or a state-specific elective course.Note: PE must be completed within 3 years of a new or subsequent license application. VT has a requirement for 2 hours of instruction on state-specific law which may be satisfied by either taking a VT comprehensive course or a state-specific elective course. Continuing Education RequirementsEvery 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 PE 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). Number of hours is 3/2/2/1 = 8 MLOs are advised that to comply with the SAFE Act’s “successive years” rule, they may not take the same CE course two years in a row. MLO’s are advised not to retake pre-licensure education (PE) unless directed to by a State Regulator. PE education does not count towards meeting annual CE requirements.
Vermont MLO CE DeadlineThe deadline to complete CE is December 1. However, MLOs in Vermont are prohibited from submitting an application 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. Deadline Virgin IslandsVisit Virgin Islands page for more details Virgin Islands MLO Prelicensure Education RequirementsNew state-licensed MLOs are required to complete 20 hours of NMLS-approved education. This education must include 3 hours of Federal law, 3 hours of ethics (which shall include fraud, consumer protection, and fair lending issues), 2 hours of non-traditional mortgage lending, plus 12 hours of undefined education (referred to as electives). Number of hours is 3/3/2/12 = 20 The Virgin Islands does not have a requirement for instruction on state-specific law. Continuing Education RequirementsEvery 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 PE 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). Number of hours is 3/2/2/1 = 8 MLOs are advised that to comply with the SAFE Act’s “successive years” rule, they may not take the same CE course two years in a row. MLO’s are advised not to retake pre-licensure education (PE) unless directed to by a State Regulator. PE education does not count towards meeting annual CE requirements.
VI MLO Continuing Education CE Renewal DeadlineThe deadline to complete CE is December 31. However, MLOs in the Virgin Islands are prohibited from submitting an application 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. VirginiaVisit Virginia page for more details Virginia MLO Prelicensure Education RequirementsNew state-licensed mortgage loan originators must complete 20 hours of NMLS approved education. This education must include 3 hours of Federal law, 3 hours of ethics and 2 hours of non-traditional mortgage lending, plus 12 hours of undefined education (referred to as electives). Number of hours is 3/3/2/12 = 20 Virginia does not have a requirement for instruction on state-specific law. Continuing Education RequirementsEvery 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 PE 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). Number of hours is 3/2/2/1 = 8 MLOs are advised that to comply with the SAFE Act’s “successive years” rule, they may not take the same CE course two years in a row. MLO’s are advised not to retake pre-licensure education (PE) unless directed to by a State Regulator. PE education does not count towards meeting annual CE requirements.
VA MLO CE DeadlineThe deadline to complete CE is December 31, 2022. However, MLOs in Virginia are prohibited from submitting an application 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. WashingtonVisit Washington page for more details Washington MLO Prelicensure Education RequirementsNew state-licensed MLOs are required to complete 20 hours of NMLS-approved education. This education must include 3 hours of Federal law, 3 hours of ethics (which shall include fraud, consumer protection, and fair lending issues), 2 hours of non-traditional mortgage lending, 10 hours of undefined education (referred to as electives) + 4 hours of WA law. Number of hours is 3/3/2/10/+ 4hrs of WA law = 22 Washington has a requirement for 4 hours of instruction on state-specific law which may be satisfied by either taking a WA comprehensive course or a state-specific elective course. Continuing Education RequirementsEvery 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 PE 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,1 hour of elective, plus 1 hour of WA-specific education. Number of hours is 3/2/2/1 + 1hr of WA law =9 MLOs are advised that to comply with the SAFE Act’s “successive years” rule, they may not take the same CE course two years in a row. MLO’s are advised not to retake pre-licensure education (PE) unless directed to by a State Regulator. PE education does not count towards meeting annual CE requirements.
Washington MLO CE DeadlineThe deadline to complete CE is December 15. However, MLOs in Washington are prohibited from submitting an application 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. West VirginaVisit West Virgina page for more details West Virginia MLO Prelicensure Education RequirementsNew state-licensed MLOs are required to complete 22 hours of NMLS approved education. The training includes 3 hours of federal law, 3 hours of ethics (which shall include fraud, consumer protection, and fair lending issues), 2 hours of non traditional mortgage lending, 12 hours of undefined education (referred to as electives) + 2 hours of WV law. Number of hours is 3/3/2/12/+ 4hrs of WV law = 24 West Virginia has a requirement for 4 hours of instruction on state-specific lawwhich may be satisfied by either taking a WV comprehensive course or a state-specific elective course. Continuing Education RequirementsEvery 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 PE 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 1 hour of WV specific education. Number of hours is 3/2/2/+ 2hr of WV law =9 MLOs are advised that to comply with the SAFE Act’s “successive years” rule, they may not take the same CE course two years in a row. MLO’s are advised not to retake pre-licensure education (PE) unless directed to by a State Regulator. PE education does not count towards meeting annual CE requirements.
WV MLO CE DeadlineThe deadline to complete CE is November 30. However, MLOs in West Virginia are prohibited from submitting an application 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. WisconsinVisit Wisconsin page for more details Wisconsin MLO Prelicensure Education RequirementsNew state-licensed MLOs are required to complete 20 hours of NMLS approved education and training. The courses include 3 hours of federal law, 3 hours of ethics (which shall include fraud, consumer protection, and fair lending issues), 2 hours of non traditional mortgage lending, plus 12 hours of undefined education (referred to as electives). Number of hours is 3/3/2/12 = 20 Wisconsin does not have a requirement for instruction on state-specific law. Continuing Education RequirementsEvery 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 PE 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). Number of hours is 3/2/2/1 = 8 MLOs are advised that to comply with the SAFE Act’s “successive years” rule, they may not take the same CE course two years in a row. MLO’s are advised not to retake pre-licensure education (PE) unless directed to by a State Regulator. PE education does not count towards meeting annual CE requirements.
Wisconsin MLO CE DeadlineThe deadline to complete CE is December 31, 2022. However, MLOs in Wisconsin are prohibited from submitting an application 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. WyomingVisit Wyoming page for more details Wyoming MLO Prelicensure Education RequirementsNew state-licensed MLOs are required to complete 20 hours of NMLS approved education including 3 hours of federal law, 3 hours of ethics (which shall include fraud, consumer protection, and fair lending issues), 2 hours of non traditional mortgage lending, plus 12 hours of undefined education (referred to as electives). Number of hours is 3/3/2/12 = 20 Wyoming does not have a requirement for instruction on state-specific law. Continuing Education RequirementsEvery 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 PE 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). Number of hours is 3/2/2/1 = 8 MLOs are advised that to comply with the SAFE Act’s “successive years” rule, they may not take the same CE course two years in a row. MLO’s are advised not to retake pre-licensure education (PE) unless directed to by a State Regulator. PE education does not count towards meeting annual CE requirements.
Wyoming MLO CE DeadlineThe deadline to complete CE is December 31, 2020. However, MLOs in Wyoming are prohibited from submitting an application 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. How many continuing education credits are required for Lcsw in California?Licensees must complete 36 hours of continuing education within the two years prior to each license renewal date, including 6 hours of Law and Ethics.
How many hours of continuing education must he complete each year to renew this endorsement?MLOs seeking to maintain their MLO license or DRE “license endorsement” must complete 8 hours of continuing education annually.
How many hours of continuing education must a California licensee complete in order to renew a real estate license?How To Renew Your Real Estate License In California. California requires 45 hours of continuing education classes (CE) for all real estate licensees.
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