A licensed originator teaches 3 hours of an approved ethics course during the year and takes no other continuing education. How many CE credit hours does she earn from teaching, and does that reach the eight-hour total?
Correct Answer
D) She has 6 of the 8 hours: an instructor earns 2 hours per hour taught
D. Three teaching hours earn six credit hours, below the eight-hour total. Apply the approved-course instructor rate: 3 × 2 = 6. Total credits and required subjects are separate checks; ethics teaching alone does not satisfy the federal-law and nontraditional-lending components. Scope and exceptions: Do not tell this instructor that any two additional hours will suffice. Required subjects, approval and state additions still apply. Source: Section 1008.107(a)(2), (c) — https://www.consumerfinance.gov/rules-policy/regulations/1008/107/
Why This Is the Correct Answer
D. Three teaching hours earn six credit hours, below the eight-hour total. Apply the approved-course instructor rate: 3 × 2 = 6. Total credits and required subjects are separate checks; ethics teaching alone does not satisfy the federal-law and nontraditional-lending components. Scope and exceptions: Do not tell this instructor that any two additional hours will suffice. Required subjects, approval and state additions still apply.
Why the Other Options Are Wrong
Option A: She has 3 of her 8 hours: teaching counts hour for hour like attending
This uses the wrong one-for-one multiplier.
Option B: She has 0 hours: teaching earns credit only for those in the seats
Approved-course instruction can earn credit.
Option C: She has all 8 hours: teaching an approved course satisfies the year
Teaching does not automatically satisfy the whole annual requirement.
Exam Tip
Calculate credit, then check the subject allocation.
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