An applicant pleaded guilty to felony forgery 11 years ago and to a felony assault 4 years ago, and has no other record. Assuming neither conviction has been pardoned or expunged, which convictions trigger the SAFE felony disqualification?
Correct Answer
B) Barred by both: forgery bars for life and assault falls inside 7 years
B. Both convictions independently trigger the stated federal licensing bar. Felony forgery involves dishonesty, so the seven-year limit does not remove its effect. The felony assault is only four years old, within the seven-year period for any felony. Scope and exceptions: The stem excludes pardon and expungement. Section 1008.105(b)(2) addresses those circumstances and uses the convicting jurisdiction’s felony classification; states also assess other licensing qualifications. Source: Section 1008.105(b)(1)–(2) — https://www.consumerfinance.gov/rules-policy/regulations/1008/105/
Why This Is the Correct Answer
B. Both convictions independently trigger the stated federal licensing bar. Felony forgery involves dishonesty, so the seven-year limit does not remove its effect. The felony assault is only four years old, within the seven-year period for any felony. Scope and exceptions: The stem excludes pardon and expungement. Section 1008.105(b)(2) addresses those circumstances and uses the convicting jurisdiction’s felony classification; states also assess other licensing qualifications.
Why the Other Options Are Wrong
Option A: Barred by the assault only, since the forgery is past the 7-year window
The dishonesty category reaches beyond seven years.
Option C: Not barred by either, because both convictions are more than 3 years old
Three years is not the specified lookback.
Option D: Barred by the forgery only, as a violent offense is outside the test
A recent felony need not involve dishonesty to trigger the seven-year branch.
Exam Tip
First check the seven-year period, then the permanent specified-offense categories.
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