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 Deadline
The 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.
Colorado
Click here to visit colorado licensing page for more information
Pre-Licensure Education Requirements
New 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 Requirements
Every state-licensed MLO (in any approved status) is required to complete at least 8 hours of NMLS approved education annually beginning the year they are licensed (unless 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.
| 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 | No |
CO MLO CE Deadline
The 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.
Connecticut
Click here to visit Connecticuty licensing page for more information
Connecticut Prelicensing Education Requirements
New 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 Requirements
Every state-licensed MLO (in any approved status) is required to complete at least 8 hours of NMLS approved education annually beginning the year they are licensed (unless 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.
| 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 | No |
CT MLO CE Deadline
The 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.
Delaware
Click here for Delaware licensing page for more information
Deleware Prelicensing Education Requirements
New 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 Requirements
Every state-licensed MLO (in any approved status) is required to complete at least 8 hours of NMLS approved education annually beginning the year they are licensed (unless 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.
| 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 | No |
DE MLO CE Deadline
The 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 Columbia
Click here to visit the Washington District of Columbia for more mortgage licensing information
Washington DC Prelicensing Education Requirements
New 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 Requirements
Every state-licensed MLO (in any approved status) is required to complete at least 8 hours of NMLS approved education annually beginning the year they are licensed (unless 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.
| 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 | No |
DC MLO CE Deadline
The 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.
< Florida
Click here to visit the Florida for more mortgage licensing information
Florida Prelicensing Education Requirements
New 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 Requirements
Every state-licensed MLO (in any approved status) is required to complete at least 8 hours of NMLS approved education annually beginning the year they are licensed (unless 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.
| 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 | No |
FL MLO CE Deadline
The 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.
Georgia
Click here to visit the Georgia mortgage licensing page for more information
Georgia Prelicensing Education Requirements
New 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 Requirements
Every state-licensed MLO (in any approved status) is required to complete at least 8 hours of NMLS approved education annually beginning the year they are licensed (unless 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.
| 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 | No |
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.
Guam
Click here to visit the Guam mortgage licensing page for more information
Guam Prelicensing Education Requirements
New 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 Requirements
Every state-licensed MLO (in any approved status) is required to complete at least 8 hours of NMLS approved education annually beginning the year they are licensed (unless 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.
| 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 | No |
Guam MLO CE Deadline
The 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 renewal
Hawaii
Hawaii Mortgage Loan Originator MLO Licensing Page
Hawaii Prelicensing Education Requirements
New 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 Requirements
Every state-licensed MLO (in any approved status) is required to complete at least 8 hours of NMLS approved education annually beginning the year they are licensed (unless 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.
| 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 | No |
HI MLO CE Deadline
The 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.
Idaho
Click here to go to Idaho MLO licensing page
Idaho Prelicensing Education Requirements
New 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 Requirements
Every state-licensed MLO (in any approved status) is required to complete at least 8 hours of NMLS approved education annually beginning the year they are licensed (unless 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.
| 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 | No |
Idaho MLO CE Deadline
The 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.
Illinois
Mortgage Loan Officer Loan Originator MLO Illinois Page
Illinois Prelicensing Education Requirements
New 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 Requirements
Every state-licensed MLO (in any approved status) is required to complete at least 8 hours of NMLS approved education annually beginning the year they are licensed (unless 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.
| 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 | No |
Illinois MLO CE Deadline
The 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 DFI
Click here for Indiana Mortgage Loan Originator MLO Page
Indiana MLO Prelicensing Education Requirements
New 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 Requirements
Every state-licensed MLO (in any approved status) is required to complete at least 8 hours of NMLS approved education annually beginning the year they are licensed (unless 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.
| 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 | No |
Indiana DFI MLO CE Deadline
The 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 – SOS
Pre-Licensure Education Requirements
New 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 Requirements
Every state-licensed MLO (in any approved status) is required to complete at least 8 hours of NMLS approved education annually beginning the year they are licensed (unless 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.
| 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 | No |
Indiana SOS MLO CE Deadline
The 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.
Iowa
Visit Iowa MLO Licensing Page
Iowa Prelicensing Education Requirements
New 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 Requirements
Every state-licensed MLO (in any approved status) is required to complete at least 8 hours of NMLS approved education annually beginning the year they are licensed (unless 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.
| 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 | No |
Iowa MLO CE Deadline
The 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.
Kansas
Click to go to Kansas Mortgage Loan Officer or Originator Page
Kansas Prelicensing Education Requirements
New 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 Requirements
Every state-licensed MLO (in any approved status) is required to complete at least 8 hours of NMLS approved education annually beginning the year they are licensed (unless 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.
| 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 | No |
Kansas MLO CE Deadline
The 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.
Kentucky
Kentucky Processors and MLO Education Page
Kentucky MLO Prelicensure Education Requirements
New 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 Requirements
Every state-licensed MLO (in any approved status) is required to complete at least 8 hours of NMLS approved education annually beginning the year they are licensed (unless 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.
| 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 | No |
Kentucky MLO CE Deadline
The 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.
Maine
Mortgage Loan Originator MLO Education Information, Click Here
Pre-Licensure Education Requirements
New 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 Requirements
Every state-licensed MLO (in any approved status) is required to complete at least 8 hours of NMLS approved education annually beginning the year they are licensed (unless 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.
| 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 | No |
Lousiana MLO CE Deadline
The 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.
Maine
Maine MLO Education for Loan Officer Licensing, Click Here
Maine MLO Prelicensure Education Requirements
New 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 Requirements
Every state-licensed MLO (in any approved status) is required to complete at least 8 hours of NMLS approved education annually beginning the year they are licensed (unless 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.
| 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 | No |
Maine MLO CE Deadline
The 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.
Maryland
Maryland Page for MLO Education and Licensing
Maryland MD MLO Prelicensure Education Requirements
New 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 law which may be satisfied by either taking a MD comprehensive course or a state-specific elective course.
Continuing Education Requirements
Every 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.
| 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 | No |
MD MLO CE Deadline
The 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.
Massachussetts
MA Mortgage Loan Originator Education Page for Massachusetts MLO Licensing
Massachusetts MLO Prelicensure Education Requirements
New 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 Requirements
Every state-licensed MLO (in any approved status) is required to complete at least 8 hours of NMLS approved education annually beginning the year they are licensed (unless 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.
| 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 | No |
MA MLO CE Deadline
The 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.
Michigan
Michigan MLO Click Here for MI Loan Originator Education Page
Michigan MLO Prelicensure Education Requirements
New 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 Requirements
Every state-licensed MLO (in any approved status) is required to complete at least 8 hours of NMLS approved education annually beginning the year they are licensed (unless 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.
| 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 | No |
Michigan MLO CE Deadline
The 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.
Minnesota
MN MLO Page, Click Here for Minnesota Mortgage Loan Originator MLO Education
Minnesota MLO Prelicensure Education Requirements
New 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 Requirements
Every state-licensed MLO (in any approved status) is required to complete at least 8 hours of NMLS approved education annually beginning the year they are licensed (unless 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.
| 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 | No |
MN MLO CE Deadline
The 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.
Mississippi
Mississippi Loan Officer Education Page
Mississippi MLO Prelicensing Education Requirements
New 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 Requirements
Every state-licensed MLO (in any approved status) is required to complete at least 8 hours of NMLS approved education annually beginning the year they are licensed (unless 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.
| 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 | No |
MS MLO CE Deadline
The 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.
Missouri
Click Here to MO Missouri Mortgage Loan Originator MLO Education Page
Missouri MLO Prelicensure Education Requirements
New 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 Requirements
Every state-licensed MLO (in any approved status) is required to complete at least 8 hours of NMLS approved education annually beginning the year they are licensed (unless 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.
| 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 | No |
MO MLO CE Deadline
The 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.
Montana
MT Mortgage Loan Originator Montana Loan Officer Education Page
Montana MLO Prelicensing education
New 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 Requirements
Every state-licensed MLO (in any approved status) is required to complete at least 8 hours of NMLS approved education annually beginning the year they are licensed (unless 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.
| 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 | No |
MT MLO CE Deadline
The 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.
Nebraska
Go to Nebraska Mortgage Loan Originator Page for NE Loan Officer Education
Nebraska MLO Prelicensure Education Requirements
New 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 Requirements
Every state-licensed MLO (in any approved status) is required to complete at least 8 hours of NMLS approved education annually beginning the year they are licensed (unless 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.
| 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 | No |
NE MLO CE Deadline
The 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.
Nevada
Visit Nevada page for more details
Nevada MLO Prelicensure Education Requirements
New 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 Requirements
Every state-licensed MLO (in any approved status) is required to complete at least 8 hours of NMLS approved education annually beginning the year they are licensed (unless 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.
| 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 | No |
NV MLO CE Deadline
The 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 Hampshire
Visit New Hampshire page for more details
New Hampshire MLO Prelicensure Education Requirements
New 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 Requirements
Every state-licensed MLO (in any approved status) is required to complete at least 8 hours of NMLS approved education annually beginning the year they are licensed (unless 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.
| 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 | No |
NH MLO CE Deadline
The 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 Jersey
Visit New Jersey page for more details
New Jersey MLO Prelicensure Education Requirements
New 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 Requirements
Every state-licensed MLO (in any approved status) is required to complete at least 8 hours of NMLS approved education annually beginning the year they are licensed (unless 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.
| 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 | No |
NJ MLO CE Deadline
The 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 Mexico
Visit New Mexico page for more details
New Mexico MLO Prelicensure Education Requirements
New 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 Requirements
Every state-licensed MLO (in any approved status) is required to complete at least 8 hours of NMLS approved education annually beginning the year they are licensed (unless 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.
| 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 | No |
NM MLO CE Deadline
The 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 York
Visit New York page for more details
New York MLO Prelicensure Education Requirements
New 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 Requirements
Every state-licensed MLO (in any approved status) is required to complete at least 8 hours of NMLS approved education annually beginning the year they are licensed (unless 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.
| 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 | No |
NY MLO CE Deadline
The 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 Carolina
Visit North Carolina page for more details
North Carolina MLO Prelicensure Education Requirements
New 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 Requirements
Every state-licensed MLO (in any approved status) is required to complete at least 8 hours of NMLS approved education annually beginning the year they are licensed (unless 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.
| 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 | No |
NC MLO CE Deadline
The 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 Dakota
Visit North Dakota page for more details
North Dakota MLO Prelicensure Education Requirements
New 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 Requirements
Every state-licensed MLO (in any approved status) is required to complete at least 8 hours of NMLS approved education annually beginning the year they are licensed (unless 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.
| 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 | No |
North Dakota MLO CE Deadline
The 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.
Ohio
Visit Ohio page for more details
Ohio MLO Prelicensure Education Requirements
New 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 Requirements
Every state-licensed MLO (in any approved status) is required to complete at least 8 hours of NMLS approved education annually beginning the year they are licensed (unless 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.
| 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 | No |
OH MLO CE Deadline
The 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.
Oklahoma
Visit Oklahoma page for more details
Oklahoma MLO Prelicensure Education Requirements
New 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 Requirements
Every state-licensed MLO (in any approved status) is required to complete at least 8 hours of NMLS approved education annually beginning the year they are licensed (unless 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.
| 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 | No |
OK MLO CE Deadline
The 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.
Oregon
Visit Oregon page for more details
Oregon MLO Prelicensure Education Requirements
New 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 Requirements
Every state-licensed MLO (in any approved status) is required to complete at least 8 hours of NMLS approved education annually beginning the year they are licensed (unless 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.
| 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 | No |
Oregon MLO CE Deadline
The 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.
Pennsylvania
Visit Pennsylvania page for more details
Pennsylvania MLO Prelicensure Education Requirements
New 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 Requirements
Every state-licensed MLO (in any approved status) is required to complete at least 8 hours of NMLS approved education annually beginning the year they are licensed (unless 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.
| 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 | No |
PA MLO CE Deadline
The 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 Rico
Visit Puerto Rico page for more details
Puerto Rico MLO Prelicensure Education Requirements
New 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 Requirements
Every state-licensed MLO (in any approved status) is required to complete at least 8 hours of NMLS approved education annually beginning the year they are licensed (unless 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.
| 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 | No |
PR MLO CE Deadline
The 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 Island
Visit Rhode Island page for more details
Rhode Island MLO Prelicensure Education Requirements
New 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 Requirements
Every state-licensed MLO (in any approved status) is required to complete at least 8 hours of NMLS approved education annually beginning the year they are licensed (unless 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.
| 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 | No |
RI MLO CE Deadline
The 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 – BFI
Visit South Carolina page for more details
South Carolina BFI MLO Prelicensure Education Requirements
New 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 Requirements
Every state-licensed MLO (in any approved status) is required to complete at least 8 hours of NMLS approved education annually beginning the year they are licensed (unless 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.
| 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 | No |
SC BFI MLO CE Deadline
The 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 – DCA
South Carolina MLO Prelicensure Education Requirements
New 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 Requirements
Every state-licensed MLO (in any approved status) is required to complete at least 8 hours of NMLS approved education annually beginning the year they are licensed (unless 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.
| 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 | No |
SC DCA MLO CE Deadline
The 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 Dakota
Visit South Dakota page for more details
South Dakota MLO Prelicensure Education Requirements
New 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 Requirements
Every state-licensed MLO (in any approved status) is required to complete at least 8 hours of NMLS approved education annually beginning the year they are licensed (unless 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.
| 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 | No |
SD MLO CE Deadline
The 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.
Tennessee
Visit Tennessee page for more details
Tennessee MLO Prelicensure Education Requirements
New 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 Requirements
Every state-licensed MLO (in any approved status) is required to complete at least 8 hours of NMLS approved education annually beginning the year they are licensed (unless 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.
| 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 | No |
TN MLO CE Deadline
The 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 – OCCC
Visit Texas page for more details
Pre-Licensure Education Requirements
New 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 Requirements
Every state-licensed MLO (in any approved status) is required to complete at least 8 hours of NMLS approved education annually beginning the year they are licensed (unless 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.
| 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 | No |
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 – SML
Texas MLO Prelicensure Education Requirements
New 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 Requirements
Every state-licensed MLO (in any approved status) is required to complete at least 8 hours of NMLS approved education annually beginning the year they are licensed (unless 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.
| 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 | No |
Deadline
The 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 – DFI
Visit Utah page for more details
Pre-Licensure Education Requirements
New 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 Requirements
Every state-licensed MLO (in any approved status) is required to complete at least 8 hours of NMLS approved education annually beginning the year they are licensed (unless 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.
| 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 | No |
Deadline
The 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 – DRE
Utah DRE MLO Prelicensing Education Requirements
New 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 Requirements
Every state-licensed MLO (in any approved status) is required to complete at least 8 hours of NMLS approved education annually beginning the year they are licensed (unless 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 9 hours of annual CE already required for MLOs (8hrs + 1hrs 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.
| 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 | No |
UT DRE MLO CE Deadline
The 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.
Vermont
Visit Vermont page for more details
Vermont MLO Prelicensure Education Requirements
New 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 Requirements
Every state-licensed MLO (in any approved status) is required to complete at least 8 hours of NMLS approved education annually beginning the year they are licensed (unless 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.
| 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 | No |
Vermont MLO CE Deadline
The 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 Islands
Visit Virgin Islands page for more details
Virgin Islands MLO Prelicensure Education Requirements
New 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 Requirements
Every state-licensed MLO (in any approved status) is required to complete at least 8 hours of NMLS approved education annually beginning the year they are licensed (unless 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.
| 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 | No |
VI MLO Continuing Education CE Renewal Deadline
The 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.
Virginia
Visit Virginia page for more details
Virginia MLO Prelicensure Education Requirements
New 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 Requirements
Every state-licensed MLO (in any approved status) is required to complete at least 8 hours of NMLS approved education annually beginning the year they are licensed (unless 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.
| 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 | No |
VA MLO CE Deadline
The 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.
Washington
Visit Washington page for more details
Washington MLO Prelicensure Education Requirements
New 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 Requirements
Every state-licensed MLO (in any approved status) is required to complete at least 8 hours of NMLS approved education annually beginning the year they are licensed (unless 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.
| 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 | No |
Washington MLO CE Deadline
The 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 Virgina
Visit West Virgina page for more details
West Virginia MLO Prelicensure Education Requirements
New 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 Requirements
Every state-licensed MLO (in any approved status) is required to complete at least 8 hours of NMLS approved education annually beginning the year they are licensed (unless 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.
| 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 | No |
WV MLO CE Deadline
The 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.
Wisconsin
Visit Wisconsin page for more details
Wisconsin MLO Prelicensure Education Requirements
New 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 Requirements
Every state-licensed MLO (in any approved status) is required to complete at least 8 hours of NMLS approved education annually beginning the year they are licensed (unless 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.
| 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 | No |
Wisconsin MLO CE Deadline
The 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.
Wyoming
Visit Wyoming page for more details
Wyoming MLO Prelicensure Education Requirements
New 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 Requirements
Every state-licensed MLO (in any approved status) is required to complete at least 8 hours of NMLS approved education annually beginning the year they are licensed (unless 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.
| 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 | No |
Wyoming MLO CE Deadline
The 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.