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 Candidate Enrollment Scenarios

The following five scenarios are designed to help new applicants and existing licensees determine if and how the implementation of the Uniform State Test (UST) will impact their licensing requirements, as of March 1, 2016.
 

A - New applicant who needs to satisfy SAFE MLO testing requirements for a state agency which has adopted the UST.

Amy  wishes to become a state-licensed mortgage loan originator (MLO) in Pennsylvania and she has never enrolled in or taken any SAFE MLO tests. What are her testing requirements in light of the implementation of the Uniform State Test?


Amy must enroll for the National Test with Uniform State Content. When she takes and passes that test she will have satisfied all the testing requirements for the Commonwealth of Pennsylvania which adopted the UST on April 1, 2013, and any other state agency which has or will adopt the UST. 

 

B - New applicant who wishes to satisfy SAFE MLO testing requirements for a state which has not adopted the UST. 

Brian wants to become a state-licensed MLO in West Virginia and has never enrolled for or taken any SAFE MLO tests. What are his testing requirements?

Because West Virginia is not scheduled to adopt the UST, Brian must enroll for the National Test with Uniform State Content and the West Virginia State Test Component. When he takes and passes both of these tests he will have satisfied the state of West Virginia's testing requirements.

  

C - Current licensee has already taken and passed the retired SAFE MLO Test - National Component and is seeking licensure in a state which has adopted the UST.

Catherine is currently licensed in Texas and is attempting to get licensed in Louisiana.  She has already taken and passed the retired National Component and the Texas State Test Component.  What are her requirements?

She checks the UST Adoption Table (on the NMLS Resource Center) and sees that Louisiana has adopted the UST.  She did not enroll for the Stand-alone UST by March 31, 2014.

Catherine must enroll for and take the National Test with Uniform State Content.  If she passed that test, she will satisfy Louisiana's state testing requirements, and the state testing requirements for any other state agency that has adopted the UST.

   

D - Current licensee does not intend to get licensed in other states.

Edith is currently licensed in California and has passed the retired National Test Component and the California State Test Component.  She does not intend to seek licensure in other states.  What are her testing requirements in light of the implementation of the UST?

As long as Edith does not wish to seek licensure in any additional states, she has no further testing requirements.

 

 
 

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