S.A.F.E. Mortgage Licensing Act – Regulation H (State)

About this course

Master state mortgage licensing compliance, build the foundational knowledge every mortgage loan originator (MLO), compliance professional, and non-bank lender needs to operate confidently within the regulatory framework governing state licensure. This course on SAFE Act - Regulation (H) explains the federal and state regulatory landscape from the ground up: what Regulation H requires, which roles and activities trigger the licensing obligation, and how non-depository institutions, such as mortgage brokers, independent mortgage companies, and non-bank lenders, fit within the compliance structure. From the three critical pre-licensing requirements (education, testing, and background checks) to navigating the Nationwide Multistate Licensing System (NMLS) for applications, renewals, and updates, learners build the applied skills needed to obtain and maintain state MLO licenses and to recognize where state-specific requirements go beyond the federal SAFE Act minimums. Through interactive activities, scenario-based dialogues, video demonstration, and practical assessments, you will gain the ability to determine when licensure is required, complete and maintain NMLS filings, and identify key compliance obligations under the state law. Enroll today and build the licensing expertise needed to succeed in mortgage compliance.

Course objectives

• Master the critical pre-licensing requirements of education, testing, and background checks
• Navigate the NMLS for applications, renewals, and updates
• Distinguish between federal SAFE Act requirements and state-specific regulations