For a Delaware MLO application, which background-check item must NMLS indicate?
Correct Answer
A) The applicant submitted fingerprints and consented to a criminal background check
Delaware requires NMLS to indicate that the applicant submitted fingerprints and consented to a criminal background check.
Why This Is the Correct Answer
Delaware requires NMLS to indicate that the applicant submitted fingerprints and consented to a criminal background check.
Why the Other Options Are Wrong
Option B: The applicant obtained a private background check from any employer-chosen vendor only
The Delaware requirement is tied to NMLS indication of fingerprints and consent, not only a private employer vendor.
Option C: The applicant waived all criminal-history review because Delaware uses only credit reports
Delaware uses both credit report authorization and criminal background check consent in the application process.
Option D: The applicant submitted fingerprints only after the first renewal
Fingerprints are an application requirement, not only a renewal-afterthought.
Memory Technique
DE-C007 -> Delaware-application-fees-and-background
Exam Tip
Do not split Delaware credit and criminal background requirements; both are listed.
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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