Utah - DRE

Utah - DRE PE and CE Requirements for MLOs

Pre-Licensure Education Requirements

New state-licensed MLOs are required to complete 20 hours of NMLS-approved education. This education must include 3 hours of Federal law, 3 hours of ethics (which shall include fraud, consumer protection, and fair lending issues), 2 hours of non-traditional mortgage lending, plus 12 hours of undefined education (referred to as electives).

Number of hours is 3/3/2/12 = 20

Important: UT-DRE also has an additional requirement of 15 hours of UT-DRE approved instruction which is not reported into NMLS.

PE Expiration: Pending Enactment See the State Licensing Checklist Compiler for details.

Continuing Education Requirements

MLO: Every state licensed MLO (in any approved status) is required to complete at least 8 hours of NMLS approved education annually beginning the year they are licensed (unless PE was completed in the same year). Annual CE education must include 3 hours of Federal law, 2 hours of ethics (which shall include fraud, consumer protection, and fair lending issues), and 2 hours of non-traditional mortgage lending, plus one additional hour of undefined education (referred to as an elective) plus 1 hour Utah-approved specific annual update course (referred to as an elective).

Number of hours is 3/2/2/1 + 1hr UT = 9

Note: UT-DRE requires 10 hours (2hr State Specific) Late CE for any outstanding CE prior to 1/1/2024.

Additional Persons: N/A.

Table 1. Am I required to take Continuing Education this year?Continuing education decision grid
If I became federal compliant for PE between 2009–2025 and was licensed between 2009–2026 am I required to complete CE in 2026 YES
If I became federal compliant for PE in 2026 and I was approved for an initial license in 2026 am I required to complete CE in 2026 No

Deadline

The deadline to complete both Federal and State CE is December 15. However, MLOs with Utah-DRE are prohibited from applying to renew their license if they have not completed CE. Since it may take as long as seven (7) days for a course provider to report a course completion into NMLS, MLOs are strongly encouraged not to wait until the last minute to try to complete CE or they may be prevented from submitting for renewal on time.