Which statement is best supported by the NMLS state-specific education table and Delaware statute?
Correct Answer
B) Delaware should be treated as baseline education unless a Delaware source says otherwise, because Delaware is not listed as requiring state-specific PE/CE hours
The NMLS table lists agencies with state-specific education hours and does not list Delaware, while Delaware law states baseline PE and CE components. That supports treating Delaware as baseline education for state-specific hour purposes.
Why This Is the Correct Answer
The NMLS table lists agencies with state-specific education hours and does not list Delaware, while Delaware law states baseline PE and CE components. That supports treating Delaware as baseline education for state-specific hour purposes.
Why the Other Options Are Wrong
Option A: Delaware requires 5 hours of Delaware-specific PE because every state does
The NMLS table does not show a Delaware 5-hour state-specific PE requirement.
Option C: Delaware has no CE requirement because it is absent from the NMLS state-specific table
Absence from the state-specific table does not mean no CE; Delaware statute requires CE.
Option D: Delaware requires 12 total CE hours because New Jersey does
New Jersey’s listed CE requirement cannot be imported into Delaware.
Memory Technique
DE-C010 -> Delaware-education-testing-and-renewal
Exam Tip
Absence from the state-specific table means no listed state-hour add-on, not no education at all.
Common Mistakes to Avoid
- -Importing another state requirement into Delaware
- -Confusing NMLS baseline requirements with Delaware-specific rules
- -Treating operational assumptions as legal authority
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