What is Delaware’s annual continuing education requirement for a licensed MLO?
Correct Answer
D) At least 8 hours, including 3 hours federal law, 2 hours ethics, and 2 hours nontraditional mortgage product training
Delaware requires at least 8 hours of annual CE, including 3 hours of federal law, 2 hours of ethics, and 2 hours of nontraditional mortgage product training.
Why This Is the Correct Answer
Delaware requires at least 8 hours of annual CE, including 3 hours of federal law, 2 hours of ethics, and 2 hours of nontraditional mortgage product training.
Why the Other Options Are Wrong
Option A: At least 20 hours, including 3 hours ethics and 2 hours nontraditional mortgage product training
Twenty hours is the Delaware PE requirement, not annual CE.
Option B: At least 12 hours, including 4 hours Delaware-specific law
Delaware is not listed in the NMLS table as requiring a 4-hour Delaware-specific CE add-on or 12 total CE hours.
Option C: No annual CE if the MLO passed the SAFE test once
SAFE test passage does not eliminate annual CE.
Memory Technique
DE-C012 + DE-C020 -> Delaware-education-testing-and-renewal
Exam Tip
Delaware annual CE is 8 hours; PE is 20 hours.
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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