1.4.2 Continuing Education Courses

(a) Individual Core Course Federal Law
Courses intending to satisfy the federal law portion of the SAFE Act requirements. The course title must begin with the number of hours (3 Hour), the word SAFE, and must contain the words Federal and Law.

Example: 3 Hour SAFE: Federal Mortgage Law.

(b) Individual Core Course Ethics
Courses intending to satisfy the ethics portion of the SAFE Act requirements. The course title must begin with the number of hours (2 Hour), the word SAFE, and must contain the word Ethics, as well as Fraud, or Consumer Protection, or Fair Lending.

Example: 2 Hour SAFE: What the Loan Originator Needs to Know About Ethics and Consumer Protection.

(c) Individual Core Course Nontraditional Mortgage
Courses intending to satisfy the nontraditional mortgage portion of the SAFE Act requirements. The course title must begin with the number of hours (2 Hour), the word SAFE, and must contain the words Nontraditional and Mortgage.

Example: 2 Hour SAFE: Emerging Trends for Nontraditional Mortgages.

(d) Individual Elective Course
Course intending to satisfy the elective portion of the SAFE Act requirements. The course title must begin with the number of hours (1 Hour), and the word SAFE.

Example: 1 Hour SAFE: Understanding TRID

(e) Individual Elective Course (State Agency Specific)
Course intending to satisfy only a state agency specific education requirement. These courses need to cover the required topics as mandated by the state agency and/or solely focus on state specific laws and regulations and must include citations and references to state laws as well as state agency specific case studies. The number of hours can exceed but is never less than the number of hours required by the state agency. The course title must begin with the number of hours, the State’s two letter abbreviation (and the state agency abbreviation if applicable), and the word SAFE.
Note: The following states have two licensing agencies or laws and require the state agency code in the course title: CA-BRE, CA-DFPI, IN-DFI, IN-SOS, OH-OMLA, OH-OMBA, SC-BFI, SC-DCA, TX-OCCC, TX-SML, UT-DFI, UT-DRE.

Example: 1 Hour NC SAFE: North Carolina Law Update

Example: 4 Hour KY SAFE: State Law Review

Example: 1 Hour CA-DFPI SAFE: Understanding State Law

(f) Core Course
Courses intending to satisfy each of the three SAFE Act course requirements (federal law, ethics, and nontraditional mortgage). The course title must begin with the number of hours (7 Hour) and the words SAFE Core.

Example: 7 Hour SAFE Core: Loan Originators Basics.

(g) Comprehensive Course
Courses intending to satisfy all of the continuing education requirements of the SAFE Act. The course title must begin with the number of hours (8 Hour), and the words SAFE Comprehensive.

Example: 8 Hour SAFE Comprehensive: Mortgage Loan Originator Course.

  1. Comprehensive Course with State Agency Specific Content: Courses intending to satisfy all of the continuing education requirements of the SAFE Act and containing state agency specific content. The course title must begin with the number of hours, the State’s two letter abbreviation (and the state agency code if applicable), and the words SAFE Comprehensive.
    Note: The following states have two licensing agencies or laws and require the state agency code in the course title: CA-BRE, CA-DFPI, IN-DFI, IN-SOS, OH-OMLA, OH-OMBA, SC-BFI, SC-DCA, TX-OCCC, TX-SML, UT-DFI, UT-DRE.

    Example: 8 Hour NC SAFE Comprehensive: Compliance in NC

    Example: 12 Hour KY SAFE Comprehensive: Annual Course

    Example: 8 Hour TX-SML SAFE Comprehensive: Annual MLO Fundamentals