An originator took an approved 8-hour course in 2025 and books the identical course for 2026 because the content suits her practice. May the identical course count toward her SAFE continuing-education requirement in two consecutive years?
Correct Answer
B) It will not count: the same course may not count in 2 straight years
B. The identical course cannot satisfy CE in successive years. 2025 and 2026 are consecutive years. Course approval does not override the successive-year restriction. NMLS also treats courses containing the same content as the same course for this purpose. Scope and exceptions: Do not promise the course automatically qualifies in 2027: intervening course content, approval and state requirements still matter. The regulatory repeat-course rule is in 1008.107(b), not (c). Source: Purpose and Action for MLO sections — https://mortgage.nationwidelicensingsystem.org/knowledge/products/nmls/pubs/policyGuide/reference/policyGuide/maps/topics/nmlsPG_mloEd_SAFE_SuccesiveYear-1.html Section 1008.107(b) — https://www.consumerfinance.gov/rules-policy/regulations/1008/107/
Why This Is the Correct Answer
B. The identical course cannot satisfy CE in successive years. 2025 and 2026 are consecutive years. Course approval does not override the successive-year restriction. NMLS also treats courses containing the same content as the same course for this purpose. Scope and exceptions: Do not promise the course automatically qualifies in 2027: intervening course content, approval and state requirements still matter. The regulatory repeat-course rule is in 1008.107(b), not (c).
Why the Other Options Are Wrong
Option A: It will not count: an approved course may be taken only once in a career
The rule is not a lifetime ban on the course.
Option C: It will count: any approved course satisfies the annual requirement
Approval is necessary but not enough for repeat-course credit.
Option D: It will count, provided the provider has refreshed at least 2 hours
The facts still describe the identical course; there is no automatic two-hour-refresh exemption.
Exam Tip
Check prior-year education and shared content before registering.
More UST Questions
A Washington broker provides the federal settlement service estimates and booklet in 2026 and no separate state itemization. Can disclosures compliant with RESPA and Regulation X satisfy the state third-party itemization subsection?
Priya is comparing pre-license education providers before applying for a Florida mortgage loan originator license. How many hours of approved pre-license education must she complete in total?
An applicant is budgeting for a Florida MLO license and asks what the state application fee comes to at filing. Which figure is correct?
A newly sponsored Florida MLO is told she must buy an individual surety bond in her own name before she can originate. Is that correct?
A Washington consumer loan act licensee also brokers loans in 2026 outside the authority of that act. Does the consumer-loan-act exemption extend to mortgage brokerage outside that act’s authority?
A $200,000 Texas home equity loan has $3,700 in fees subject to the constitutional cap and a separate $600 fee for an appraisal performed by a third-party appraiser. Do the capped fees exceed the limit?
An owner applies for a Texas home equity loan on 4 May 2026 and the lender delivers the required notice on 8 May. Which date starts the constitutional 12-day waiting period for closing?
An owner closed a Texas home equity loan on 3 February 2026 and wants a second one on the same homestead in November 2026. Assuming no declared-emergency exception applies and the earlier home equity lien will be paid off, may the new loan close in November?
A Texas home equity loan forecloses and the sale leaves the lender $62,000 short of the balance owed. Absent actual fraud in obtaining the credit, may the lender recover the shortfall personally from the owner or spouse?
A Washington real estate broker helps a 2026 buyer arrange financing and takes only the usual sales commission. Does financing assistance incidental to a bona fide sale for only the customary real-estate commission fall within the exemption?
People Also Study
Federal Mortgage-Related Laws
24% of exam
General Mortgage Knowledge
20% of exam
Mortgage Loan Origination Activities
27% of exam
Ethics, Fraud & Consumer Protection
18% of exam