NMLS Approved Education
Courses Required for MLOs Courses to Make-Up 2011 CE
How to Register for a Course
Review the Master Course Catalog by clicking one of the buttons above. Choose the course you want to take, click on the web link or write down the course’s contact information to call them and register for the course. Payment is made directly to the course provider. For more details see the 
Quick Guide: Enrolling in a Course.
How to Make-Up Continuing Education for 2011
If you were required to take continuing education (CE) in 2011 and failed to do so, you must complete a Late CE course in order to satisfy the requirement for licensure. To find a late CE course click on the link below and pay close attention to all of the information contained in the catalog. Only the courses listed in the Late CE Catalog (and no others), may be used to make-up 2011 CE.
If you are returning to the industry, the application process for a new license requires you to satisfy any CE deficiency for the last year in which you were licensed. Only the courses listed in the Late CE Catalog (and no others), may be used to make-up 2011 CE requirements.
To find a late CE course click the LATE CE CATALOG LINK and pay close attention to all the information contained in the catalog.
Are You Required to Complete CE in 2011?
Not sure if you’re required to complete CE this year? The following chart will help to give you the answer:
> The State-Specific Education Chart shows which states have a requirement for state specific-education.
> New for Company Compliance Officers: The 2011 CE Handbook
> The SAFE Act's Successive Year Rule requires MLOs to complete 8 hours of CE every year and mandates that an MLO may not take the same course two years in a row.
> There are over 200 NMLS Approved Course Providers.
> Need to know more about PE or CE requirements? See our list of Frequently Asked Questions.
Education Requirements
The Secure and Fair Enforcement for Mortgage Licensing Act of 2008 (SAFE Act) requires that state-licensed mortgage loan originators (MLOs) complete pre-licensure and annual continuing education. In order to meet pre-licensure continuing education requirements state-licensed MLOs must complete 20 hours of NMLS approved education which include the following:
a. 3 hours of Federal law and regulations;
b. 3 hours of ethics, this shall include instruction on fraud, consumer protection, and fair lending issues;
c. 2 hours of training related to lending standards for the nontraditional mortgage product marketplace; and
d. 12 hours of undefined instruction on mortgage origination.
For annual continuing education, the SAFE Act requires state-licensed MLOs to complete:
a. 3 hours of Federal law and regulations;
b. 2 hours of ethics that shall include instruction on fraud, consumer protection, and fair lending issues;
c. 2 hours of training related to lending standards for the nontraditional mortgage product market; and
d. 1 hour of undefined instruction on mortgage origination.
While the SAFE Act requires NMLS to approve pre-licensure and continuing education courses, it is individual state law that compels mortgage loan originators to take the pre-licensure and continuing education as a requirement for state licensure. Many state agencies require that pre-licensure education be complete prior to submitting an application through NMLS. NMLS provides information concerning education requirements and administers the process for completing it, but state-licensed MLO's should refer to their state agencies regarding the specific details associated with meeting the education requirements.