Late CE Course Catalog
Need to satisfy a CE requirement from a past year? If yes, you are in the right place. This catalog is used for MLOs who have been instructed by a state regulator to make up CE.
Effective: January 1, 2026
Verify Need for Late CE
- Log into NMLS and review your course completion record. Verify you need to complete education for a specific year.
- Yellow Triangle = Requirement for Education
- License Item from Regulator = Requirement for Education
- Only the courses listed in this catalog may be taken to make-up CE for years 2010 through 2025.
- Do not take a course in this catalog if you are seeking to complete CE for 2026. If you complete a current year CE course, it will count toward 2026. NMLS will not makes changes to education records.
- Have you been unlicensed in a state for three or more years? If yes, you may need to retake the 20hrs of PE. See the State-Specific Education Requirements (PE and CE) for details.
Questions or comments send mail to nmls.ed1@csbs.org
About Course Categories and Instruction Method
If you were required to take continuing education (CE) and failed to do so, you must complete a Late CE course in order to satisfy the requirement for licensure. 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.
Late CE courses are configured such that upon completion, course credit will be retroactively applied to 2025, 2024, 2023, 2022, 2021, 2020, 2019, 2018, 2017, 2016, 2015, 2014, 2013, 2012, 2011 or 2010, depending on the needs of the particular MLO. States which do not allow an MLO to make-up a CE deficiency require the MLO to apply for a new license. The application process for a new license requires the MLO to satisfy any CE deficiency for the last year in which they maintain an active license. The courses listed in this catalog meet this requirement. If you are attempting to make up CE hours, either for the reinstatement period or were directed to take a late CE course by your state regulator, use this catalog to find a course provider and a course and then contact the provider to register, pay for, and then complete the course. Pay close attention to any state-specific education requirements that you may need to satisfy.
Type of Instruction
- Course Category:
-
- CE Comprehensive
- A course that is 8 or more hours and contains the 3hrs of Federal Law, 2hrs of Ethics, 2hrs of Non-traditional Mortgage Lending plus 1 or more hours of electives.
- State CE Comprehensive
- Title contains word Comprehensive and the 2 letter state code, is a course that contains the 3hrs of Federal Law, 2hrs of Ethics, 2hrs of Non-traditional Mortgage Lending plus state-specific education and the remaining hours of electives to equal 8 or more hours.
- CE Core
- a course that contains 3hrs of Federal Law, 2hrs of Ethics and 2hrs of Non-Traditional Lending
- CE Federal Law
- course contains 3hrs of Federal Law to meet the CE federal law requirement
- CE Ethics
- course contains 2hrs of Ethics to meet the CE ethics requirement
- CE Nontraditional
- course contains 1hr of nontraditional lending to meet the CE nontraditional lending requirement
- CE Elective
- course contains 1 or more hrs and is intended to satisfy the elective/undefined requirement
- State CE Elective
- course intended to satisfy a State’s requirement for specific number hours of state specific education. Title contains the 2 letter state code.
- Instruction Method:
-
- Classroom
- Traditional on-site classroom instruction.
- Classroom Equivalent
- Instruction employing webinar-like technology that is broadcast to one or more locations.
- Online Self-Paced
- Online courses that use a Learning Management System and are intended to be taken by student who want to learn at their own pace (may only be use for online CE courses).
How to Register for a Course
Choose the courses you want to take and contact the course provider by using the contact information or link to their web site. Register and pay for the course directly with the course provider. Once you have completed the course, the provider will report the course completion to NMLS within seven (7) calendar days from the course completion date.