AAA Mortgage Training

Mortgage Loan Originator MLO State Specific Prelicensing and Continuing Education Requirements

Find the NMLS State Prelicensure Education (PE) and Nationwide Mortgage Licensing System Continuing Education (CE) requirements for each mortgage licensing agency. You can also find an agency's PE expiration status - if listed as "enacted" then that agency expires PE - and details on CE requirements.  

Uniform CE Policy: As a condition for license renewal, an MLO is required to complete at least eight (8) hours of CE in the same year in which he/she is placed in an approved license status by a state agency, with the following exception: An MLO who has completed his/her pre-licensure education (PE) course requirements in the same year in which the license was approved, is not required to complete CE.

SMART CE 2022 Deadlines: Complete CE early to submit your license renewal application on time. Your License is Your Business. 

SMART DEADLINE:  CE course(s) reported to NMLS by Friday, December 9 
At RISK TO MISS RENEWAL: CE course(s) reported to NMLS by Friday, December 16 
HIGHLY LIKELY TO MISS RENEWAL:  CE course(s) reported to NMLS on Friday, December 30

States listed below have a state specific requirement different than the SAFE 20 hour comprehensive PE or SAFE act mandated 8 hours of CE if not listed then the base 20 hour and 8 hour requirements apply.

States with MLO State Law Specific PE or CE

Jurisdiction

Agency

State PE Hours

Total PE Hours

State CE Hours

Total CE Hours

Alabama

AL

0

20

0

8

Alaska

AK

0

20

0

8

Arizona

AZ

4

20

1

8

Arkansas

AR

0

20

0

8

California DFPI

CA

2

20

1

8

California DRE

CA

0

20

0

8

Colorado

CO

2

20

0

8

Connecticut

CT

1

21

1

8

Delaware

DE

0

20

0

8

District of Columbia

DC

3

20

1

8

Florida

FL

2

20

1

8

Georgia

GA

0

20

1

8

Guam

GU

0

20

0

8

Hawaii

HI

3

20

1

8

Idaho

ID

2

20

1

8

Illinois

IL

0

20

0

8

Indiana DFI

IN-DFI

0

20

0

8

Indiana SOS

IN-SOS

2

20

0

8

Iowa

IA

0

20

0

8

Kansas

KS

0

20

0

8

Kentucky

KY

0

20

1

8

Louisiana

LA

0

20

0

8

Maine

ME

0

20

0

8

Maryland

MD

5

20

1

8

Massachusetts

MA

3

20

1

8

Michigan

MI

2

20

0

8

Minnesota

MN

0

20

1

8

Mississippi

MS

4

20

0

8

Missouri

MO

0

20

0

8

Montana

MT

2

20

0

8

Nebraska

NE

2

20

0

8

Nevada

NV

4

30

0

8

New Hampshire

NH

2

20

0

8

New Jersey

NJ

4

20

2

12

New Mexico

NM

3

20

1

8

New York

NY

3

20

3

11

North Carolina

NC

4

24

1

8

North Dakota

ND

0

20

0

8

Ohio

OH

4

24

0

8

Oklahoma

OK

1

20

0

8

Oregon

OR

 4

20

2

10

Pennsylvania

PA

3

20

1

8

Puerto Rico

PR

0

20

0

8

Rhode Island

RI

3

20

1

8

South Carolina BFI

SC-BFI

3

20

1

8

South Carolina DCA

SC-DCA

20

1

8

South Dakota

SD

0

20

0

8

Tennessee

TN

20

0

8

Texas

TX

3

23

0

8

Utah DFI

UT-DFI

0

20

0

8

Utah DRE

UT-DRE

15

35

1

9

Vermont

VT

2

20

0

8

Virginia

VA

0

20

0

8

Washington

WA

22

1

9

West Virginia

WV

22

2

9

Wisconsin

WI

0

20

0

8

Wyoming

WY

0

20

0

8

Virgin Islands

VI

0

20

0

8


Prelicensure (PE) and Continuing (CE) Education Requirements per Agency:

Click the Desired Regulatory Agency, or Scroll Down 

AL - Alabama Banking Department

AK - Alaska Division of Banking & Securities

AZ - Arizona Department of Financial Institutions

AR - Arkansas Security Department

CA-DFPI - California Department of Financial Protection and Innovation

CA-DRE - California Department of Real Estate

CO- Colorado Division of Real Estate

CT - Connecticut Department of Banking

DE - Delaware Office of the State Bank Commissioner

DC - District of Columbia Department of Insurance, Securities and Banking

FL - Florida Office of Financial Regulation

GA - Georgia Department of Banking and Finance

GU - Guam Department of Revenue and Taxation

HI - Hawaii Division of Financial Institutions

ID - Idaho Department of Finance

IL - Illinois Department of Financial & Professional Regulation

IN-DFI - Indiana Department of Financial Institutions

IN-SOS - Indiana Secretary of State

IA - Iowa Division of Banking

KS - Kansas Office of the State Bank Commissioner

KY - Kentucky Department of Financial Institutions

LA - Louisiana Office of Financial Institutions

ME - Maine Bureau of Consumer Credit Protection

MD - Maryland Commissioner of Financial Regulation

MA - Massachusetts Division of Banks

MI - Michigan Department of Insurance and Financial Services

MN - Minnesota Department of Commerce

MS - Mississippi Department of Banking and Consumer Finance

MO - Missouri Division of Finance

MT - Montana Division of Banking & Financial Institutions

NE - Nebraska Department of Banking and Finance

NV - Nevada Division of Mortgage Lending

NH - New Hampshire Banking Department

NJ - New Jersey Department of Banking and Insurance

NM - New Mexico Financial Institutions Division

NY - New York Department of Financial Services

NC - North Carolina Commissioner of Banks Office

ND - North Dakota Department of Financial Institutions

OH - Ohio Division of Financial Institutions

OK - Oklahoma Department of Consumer Credit

OR - Oregon Division of Financial Regulation

PA - Pennsylvania Department of Banking and Securities

PR - Puerto Rico Bureau of Financial Institutions

RI - State of Rhode Island Department of Business Regulation

SC-BFI - South Carolina Board of Financial Institutions

SC-DCA - South Carolina Department of Consumer Affairs

SD - South Dakota Division of Banking

TN - Tennessee Department of Financial Institutions

TX–SML - Texas Department of Savings and Mortgage Lending

TX-OCCC - Texas Office of Consumer Credit Commissioner

UT-DRE - Utah Division of Real Estate

UT-DFI - Utah Department of Financial Institutions

VT - Vermont Department of Financial Regulation

VI - Virgin Islands Division of Banking and Insurance

VA - Virginia Bureau of Financial Institutions

WA - Washington Department of Financial Institutions

WV - West Virginia Division of Financial Institutions

WI - Wisconsin Department of Financial Institutions

WY - Wyoming Division of Banking

New Developments 

Existing or previous licensees, the requirements for reinstating or adding additional state licenses are changing this year: Some states are passing laws and regulations presently that will require the 20 hour prelicensing course to have been taken in the most recent three (3) years to qualify for a new license, a few states have had this for years, there may be further developments this year!

Alabama

Visit Alabama license information page for more details

Alabama MLO Prelicense Education Requirements

New state-licensed MLO applicants are required to complete 20 hours of NMLS approved education, including 3 hours of federal laws, 3 hours of ethics (which shall include fraud, consumer protection, and fair lending issues), 2 hours of non traditional mortgage lending, plus 12 hours of undefined education (referred to as electives).  Number of hours is 3/3/2/12 = 20 Alabama does not have a requirement for instruction on state-specific law.

Continuing Education 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 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 2009-2021and I was licensed in 2009-2022am I required to complete CE in 2022YES
If I completed SAFE Act PE in 2009-2022and I was approved for an initial license in 2022am I required to complete CE in 2022No

Alabama MLO CE Deadline

The deadline to complete CE is December 31.  However, MLOs in Alabama are prohibited from submitting an application to renew their license if they have not completed CE.  Since it may take as long as seven (7) days for a course provider to report a course completion into NMLS, MLOs are strongly encouraged not to wait until the last minute to try to complete CE or they may be prevented from submitting for renewal on time.

Alaska

Visit Alaska license information page for more details 

Alaska Prelicensure Education Requirements

New state-licensed MLO applicants are required to complete 20 hours of NMLS approved education, including 3 hours of federal law, 3 hours of ethics (which shall include fraud, consumer protection, and fair lending issues), 2 hours of non traditional mortgage lending, plus 12 hours of undefined education (referred to as electives).  Number of hours is 3/3/2/12 = 20 Alaska does not have a requirement for instruction on state-specific law.

Continuing Education 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 2009-2021and I was licensed in 2009-2022am I required to complete CE in 2022YES
If I completed SAFE Act PE in 2009-2022and I was approved for an initial license in 2022am I required to complete CE in 2022No

Alaska MLO CE Deadline

The deadline to complete CE is December 31.  However, MLOs in Alaska are prohibited from submitting an application to renew their license if they have not completed CE.  Since it may take as long as seven (7) days for a course provider to report a course completion into NMLS, MLOs are strongly encouraged not to wait until the last minute to try to complete CE or they may be prevented from submitting for renewal on time.

Arizona

Visit Arizona license information page for more details 

Arizona MLO Prelicense Education Requirements

New state-licensed MLO applicants are required to complete 20 hours of NMLS approved education WITHIN the last 3 years, including 3 hours of training related to federal law, 3 hours of ethics (which shall include fraud, consumer protection, and fair lending issues), 2 hours of non traditional mortgage lending, plus 8 hours of undefined education (referred to as electives) + 4 hours of AZ law.  Number of hours is 3/3/2/8/+ 4hrs of AZ law = 20 Arizona has a requirement for 4 hours of instruction on state-specific laws which may be satisfied by either taking an AZ comprehensive course or a state-specific elective course. Note: PE must be completed within 3 years of a new or subsequent license application.

Continuing Education 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 AZ state-specific education (referred to as an elective). Number of hours is 3/2/2/+ 1hr of AZ law = 8 MLOs are advised that to comply with the SAFE Act’s “successive years” rule, they may not take the same CE course two years in a row.

Am I required to take Continuing Education this year? 
If I completed SAFE Act PE in 2009-2021and I was licensed in 2009-2022am I required to complete CE in 2022YES
If I completed SAFE Act PE in 2009-2022and I was approved for an initial license in 2022am I required to complete CE in 2022No

Arizona MLO CE Deadline

The deadline to complete CE is December 31.  However, MLOs in Alaska are prohibited from submitting an application to renew their license if they have not completed CE.  Since it may take as long as seven (7) days for a course provider to report a course completion into NMLS, MLOs are strongly encouraged not to wait until the last minute to try to complete CE or they may be prevented from submitting for renewal on time.

Arkansas

Visit Arkansas license information page for more details 

Arkansas MLO Prelicense 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 12 hours of undefined education (referred to as electives).  Number of hours is 3/3/2/12 = 20 Arkansas does not have a requirement for instruction on state-specific law.

Continuing Education 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 2009-2021and I was licensed in 2009-2022am I required to complete CE in 2022YES
If I completed SAFE Act PE in 2009-2022and I was approved for an initial license in 2022am I required to complete CE in 2022No

Arkansas MLO CE Deadline

The deadline to complete CE is December 31.  However, MLOs in Arkansas are prohibited from submitting an application to renew their license if they have not completed CE.  Since it may take as long as seven (7) days for a course provider to report a course completion into NMLS, MLOs are strongly encouraged not to wait until the last minute to try to complete CE or they may be prevented from submitting for renewal on time.

California – Department of Financial Protection and Innovation (DFPI)

Click here to visit California license information page for more details

California Prelicensing Education 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 CA-DBO law.  Number of hours is 3/3/2/10/ + 2hrs of CA-DBO law = 20 California - DBO has a requirement for 2 hours of instruction on state-specific laws which may be satisfied by either taking a CA-DBO comprehensive course or a state-specific elective course.

Continuing Education 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 CA-DBO specific education (referred to as an elective). Number of hours is 3/2/2/ + 1hr of agency law = 8 MLOs are advised that to comply with the SAFE Act’s “successive years” rule, they may not take the same CE course two years in a row. MLO’s are advised not to retake pre-licensure education (PE) unless directed to by a State Regulator.  PE education does not count towards meeting annual CE requirements.

Am I required to take Continuing Education this year? 
If I completed SAFE Act PE in 2009-2021and I was licensed in 2009-2022am I required to complete CE in 2022YES
If I completed SAFE Act PE in 2009-2022and I was approved for an initial license in 2022am I required to complete CE in 2022No

CA MLO CE Deadline

The deadline to complete CE is December 31.  However, MLOs with CA-DOC are prohibited from submitting an application to renew their license if they have not completed CE.  Since it may take as long as seven (7) days for a course provider to report a course completion into NMLS, MLOs are strongly encouraged not to wait until the last minute to try to complete CE or they may be prevented from submitting for renewal on time.

 Am I required to take Continuing Education this year?    
If I completed SAFE Act PE in 2009-2021 and I was licensed in 2009-2022 am I required to complete CE in 2022 YES If I completed SAFE Act PE in 2009-2022 and I was approved for an initial license in 2022 am I required to complete CE in 2022 No

CA 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 2009-2021and I was licensed in 2009-2022am I required to complete CE in 2022YES
If I completed SAFE Act PE in 2009-2022and I was approved for an initial license in 2022am I required to complete CE in 2022No

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 2009-2021and I was licensed in 2009-2022am I required to complete CE in 2022YES
If I completed SAFE Act PE in 2009-2022and I was approved for an initial license in 2022am I required to complete CE in 2022No

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 2009-2021and I was licensed in 2009-2022am I required to complete CE in 2022YES
If I completed SAFE Act PE in 2009-2022and I was approved for an initial license in 2022am I required to complete CE in 2022No

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 2009-2021and I was licensed in 2009-2022am I required to complete CE in 2022YES
If I completed SAFE Act PE in 2009-2022and I was approved for an initial license in 2022am I required to complete CE in 2022No

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.

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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 2009-2021and I was licensed in 2009-2022am I required to complete CE in 2022YES
If I completed SAFE Act PE in 2009-2022and I was approved for an initial license in 2022am I required to complete CE in 2022No

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 2009-2021and I was licensed in 2009-2022am I required to complete CE in 2022YES
If I completed SAFE Act PE in 2009-2022and I was approved for an initial license in 2022am I required to complete CE in 2022No

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 2009-2021and I was licensed in 2009-2022am I required to complete CE in 2022YES
If I completed SAFE Act PE in 2009-2022and I was approved for an initial license in 2022am I required to complete CE in 2022No

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 2009-2021and I was licensed in 2009-2022am I required to complete CE in 2022YES
If I completed SAFE Act PE in 2009-2022and I was approved for an initial license in 2022am I required to complete CE in 2022No

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 2009-2021and I was licensed in 2009-2022am I required to complete CE in 2022YES
If I completed SAFE Act PE in 2009-2022and I was approved for an initial license in 2022am I required to complete CE in 2022No

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 2009-2021and I was licensed in 2009-2022am I required to complete CE in 2022YES
If I completed SAFE Act PE in 2009-2022and I was approved for an initial license in 2022am I required to complete CE in 2022No

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 2009-2021and I was licensed in 2009-2022am I required to complete CE in 2022YES
If I completed SAFE Act PE in 2009-2022and I was approved for an initial license in 2022am I required to complete CE in 2022No

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 2009-2021and I was licensed in 2009-2022am I required to complete CE in 2022YES
If I completed SAFE Act PE in 2009-2022and I was approved for an initial license in 2022am I required to complete CE in 2022No

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 2009-2021and I was licensed in 2009-2022am I required to complete CE in 2022YES
If I completed SAFE Act PE in 2009-2022and I was approved for an initial license in 2022am I required to complete CE in 2022No

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 2009-2021and I was licensed in 2009-2022am I required to complete CE in 2022YES
If I completed SAFE Act PE in 2009-2022and I was approved for an initial license in 2022am I required to complete CE in 2022No

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 2009-2021and I was licensed in 2009-2022am I required to complete CE in 2022YES
If I completed SAFE Act PE in 2009-2022and I was approved for an initial license in 2022am I required to complete CE in 2022No

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 2009-2021and I was licensed in 2009-2022am I required to complete CE in 2022YES
If I completed SAFE Act PE in 2009-2022and I was approved for an initial license in 2022am I required to complete CE in 2022No

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 2009-2021and I was licensed in 2009-2022am I required to complete CE in 2022YES
If I completed SAFE Act PE in 2009-2022and I was approved for an initial license in 2022am I required to complete CE in 2022No

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 2009-2021and I was licensed in 2009-2022am I required to complete CE in 2022YES
If I completed SAFE Act PE in 2009-2022and I was approved for an initial license in 2022am I required to complete CE in 2022No

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 2009-2021and I was licensed in 2009-2022am I required to complete CE in 2022YES
If I completed SAFE Act PE in 2009-2022and I was approved for an initial license in 2022am I required to complete CE in 2022No

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 2009-2021and I was licensed in 2009-2022am I required to complete CE in 2022YES
If I completed SAFE Act PE in 2009-2022and I was approved for an initial license in 2022am I required to complete CE in 2022No

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 2009-2021and I was licensed in 2009-2022am I required to complete CE in 2022YES
If I completed SAFE Act PE in 2009-2022and I was approved for an initial license in 2022am I required to complete CE in 2022No

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 2009-2021and I was licensed in 2009-2022am I required to complete CE in 2022YES
If I completed SAFE Act PE in 2009-2022and I was approved for an initial license in 2022am I required to complete CE in 2022No

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 2009-2021and I was licensed in 2009-2022am I required to complete CE in 2022YES
If I completed SAFE Act PE in 2009-2022and I was approved for an initial license in 2022am I required to complete CE in 2022No

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 2009-2021and I was licensed in 2009-2022am I required to complete CE in 2022YES
If I completed SAFE Act PE in 2009-2022and I was approved for an initial license in 2022am I required to complete CE in 2022No

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 2009-2021and I was licensed in 2009-2022am I required to complete CE in 2022YES
If I completed SAFE Act PE in 2009-2022and I was approved for an initial license in 2022am I required to complete CE in 2022No

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 2009-2021and I was licensed in 2009-2022am I required to complete CE in 2022YES
If I completed SAFE Act PE in 2009-2022and I was approved for an initial license in 2022am I required to complete CE in 2022No

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 2009-2021and I was licensed in 2009-2022am I required to complete CE in 2022YES
If I completed SAFE Act PE in 2009-2022and I was approved for an initial license in 2022am I required to complete CE in 2022No

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 2009-2021and I was licensed in 2009-2022am I required to complete CE in 2022YES
If I completed SAFE Act PE in 2009-2022and I was approved for an initial license in 2022am I required to complete CE in 2022No

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 2009-2021and I was licensed in 2009-2022am I required to complete CE in 2022YES
If I completed SAFE Act PE in 2009-2022and I was approved for an initial license in 2022am I required to complete CE in 2022No

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 2009-2021and I was licensed in 2009-2022am I required to complete CE in 2022YES
If I completed SAFE Act PE in 2009-2022and I was approved for an initial license in 2022am I required to complete CE in 2022No

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 2009-2021and I was licensed in 2009-2022am I required to complete CE in 2022YES
If I completed SAFE Act PE in 2009-2022and I was approved for an initial license in 2022am I required to complete CE in 2022No

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 2009-2021and I was licensed in 2009-2022am I required to complete CE in 2022YES
If I completed SAFE Act PE in 2009-2022and I was approved for an initial license in 2022am I required to complete CE in 2022No

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 2009-2021and I was licensed in 2009-2022am I required to complete CE in 2022YES
If I completed SAFE Act PE in 2009-2022and I was approved for an initial license in 2022am I required to complete CE in 2022No

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

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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 2009-2021and I was licensed in 2009-2022am I required to complete CE in 2022YES
If I completed SAFE Act PE in 2009-2022and I was approved for an initial license in 2022am I required to complete CE in 2022No

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

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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 2009-2021and I was licensed in 2009-2022am I required to complete CE in 2022YES
If I completed SAFE Act PE in 2009-2022and I was approved for an initial license in 2022am I required to complete CE in 2022No

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 2009-2021and I was licensed in 2009-2022am I required to complete CE in 2022YES
If I completed SAFE Act PE in 2009-2022and I was approved for an initial license in 2022am I required to complete CE in 2022No

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 2009-2021and I was licensed in 2009-2022am I required to complete CE in 2022YES
If I completed SAFE Act PE in 2009-2022and I was approved for an initial license in 2022am I required to complete CE in 2022No

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 2009-2021and I was licensed in 2009-2022am I required to complete CE in 2022YES
If I completed SAFE Act PE in 2009-2022and I was approved for an initial license in 2022am I required to complete CE in 2022No

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 2009-2021and I was licensed in 2009-2022am I required to complete CE in 2022YES
If I completed SAFE Act PE in 2009-2022and I was approved for an initial license in 2022am I required to complete CE in 2022No

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 2009-2021and I was licensed in 2009-2022am I required to complete CE in 2022YES
If I completed SAFE Act PE in 2009-2022and I was approved for an initial license in 2022am I required to complete CE in 2022No

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 2009-2021and I was licensed in 2009-2022am I required to complete CE in 2022YES
If I completed SAFE Act PE in 2009-2022and I was approved for an initial license in 2022am I required to complete CE in 2022No

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 2009-2021and I was licensed in 2009-2022am I required to complete CE in 2022YES
If I completed SAFE Act PE in 2009-2022and I was approved for an initial license in 2022am I required to complete CE in 2022No

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

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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 2009-2021and I was licensed in 2009-2022am I required to complete CE in 2022YES
If I completed SAFE Act PE in 2009-2022and I was approved for an initial license in 2022am I required to complete CE in 2022No

 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 2009-2021and I was licensed in 2009-2022am I required to complete CE in 2022YES
If I completed SAFE Act PE in 2009-2022and I was approved for an initial license in 2022am I required to complete CE in 2022No

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

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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 2009-2021and I was licensed in 2009-2022am I required to complete CE in 2022YES
If I completed SAFE Act PE in 2009-2022and I was approved for an initial license in 2022am I required to complete CE in 2022No

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 2009-2021and I was licensed in 2009-2022am I required to complete CE in 2022YES
If I completed SAFE Act PE in 2009-2022and I was approved for an initial license in 2022am I required to complete CE in 2022No

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 2009-2021and I was licensed in 2009-2022am I required to complete CE in 2022YES
If I completed SAFE Act PE in 2009-2022and I was approved for an initial license in 2022am I required to complete CE in 2022No

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

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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 2009-2021and I was licensed in 2009-2022am I required to complete CE in 2022YES
If I completed SAFE Act PE in 2009-2022and I was approved for an initial license in 2022am I required to complete CE in 2022No

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 2009-2021and I was licensed in 2009-2022am I required to complete CE in 2022YES
If I completed SAFE Act PE in 2009-2022and I was approved for an initial license in 2022am I required to complete CE in 2022No

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

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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 2009-2021and I was licensed in 2009-2022am I required to complete CE in 2022YES
If I completed SAFE Act PE in 2009-2022and I was approved for an initial license in 2022am I required to complete CE in 2022No

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

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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 2009-2021and I was licensed in 2009-2022am I required to complete CE in 2022YES
If I completed SAFE Act PE in 2009-2022and I was approved for an initial license in 2022am I required to complete CE in 2022No

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

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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 2009-2021and I was licensed in 2009-2022am I required to complete CE in 2022YES
If I completed SAFE Act PE in 2009-2022and I was approved for an initial license in 2022am I required to complete CE in 2022No

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

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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 2009-2021and I was licensed in 2009-2022am I required to complete CE in 2022YES
If I completed SAFE Act PE in 2009-2022and I was approved for an initial license in 2022am I required to complete CE in 2022No

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.