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Professional Requirements
NMLS enables individuals to select and pay for the National and State Components of the SAFE Mortgage Loan Originator Test.
PE Expiration Policy
In 2016, the NMLS Policy Committee approved a policy that addresses situations in which an individual either:

Professional Requirements
NMLS enables individuals to select and pay for the National and State Components of the SAFE Mortgage Loan Originator Test.
- PE Expiration Policy
  In 2016, the NMLS Policy Committee approved a policy that addresses situations in which an individual either:
- SAFE Act's Successive Year Rule
  The SAFE Act stipulates that a state-licensed MLO “may not take the same approved course in the same or successive years to meet the annual requirements for continuing education.” NMLS has interpreted the term “successive years” to mean two years in a row.
- 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 a state agency placed the license in an approved status with the following exception: 
- Applying Administrative Education
  To accommodate instances where state requirements and/or NMLS policies creates exceptions to System business rules, NMLS has established a process referred to as Administrative PE or CE (Admin PE or CE).

PE Expiration Policy

In 2016, the NMLS Policy Committee approved a policy that addresses situations in which an individual either:

completes the Federal PE requirement and does not acquire a license within a reasonable amount of time, or
acquires a license, but then leaves the industry and returns after a long period and does not complete the education required to maintain an active license.

PE Expiration Policy:

An individual who completed 20 hours Pre-Licensure education pursuant to 12 U.S.C. 5104(c) must retake 20 hours of pre-licensure education in order to be eligible for state mortgage loan originator licensure if he or she:

fails to acquire a valid state license or federal registration as a mortgage loan originator within three years from the date of federal compliance with 12 U.S.C. 5104(c);or
fails to acquire a valid state license or federal registration as a mortgage loan originator within three years from the last date of licensure or registration as a mortgage loan originator.

Contact the NMLS Call Center with any questions: 1-855-665-7123
Monday - Friday from 9:00AM to 9:00PM ET
Available from all U.S. States and Territories.