For a company procedure in Pennsylvania, a compliance counsel validates branch, office, and remote-work controls. Which rule should be applied?
Correct Answer
C) Pennsylvania permits remote-location activity only with supervision, written policies, security controls, and no consumer-facing home location.
Pennsylvania remote-location activity is allowed only when the licensed activity is supervised, written policies and information-security controls exist, in-person consumer interaction does not occur at a personal residence, the location is not advertised as an operating location, and the location is not owned or controlled by the licensee.
Why This Is the Correct Answer
Pennsylvania permits remote-location activity only with supervision, written policies, security controls, and no consumer-facing home location. This is correct because Pennsylvania remote-location activity is allowed only when the licensed activity is supervised, written policies and information-security controls exist, in-person consumer interaction does not occur at a personal residence, the location is not advertised as an operating location, and the location is not owned or controlled by the licensee.
Why the Other Options Are Wrong
Option A: Answer from the topic label instead of the rule text.
Answer from the topic label instead of the rule text. is not correct because the state rule supports: Pennsylvania permits remote-location activity only with supervision, written policies, security controls, and no consumer-facing home location.
Option B: Let the file proceed because the company has written procedures.
Let the file proceed because the company has written procedures. is not correct because the state rule supports: Pennsylvania permits remote-location activity only with supervision, written policies, security controls, and no consumer-facing home location.
Option D: Substitute a training example for the state's required condition.
Substitute a training example for the state's required condition. is not correct because the state rule supports: Pennsylvania permits remote-location activity only with supervision, written policies, security controls, and no consumer-facing home location.
Memory Technique
Pennsylvania: branch, office, and remote-work controls -> use the exact state rule in the explanation.
Exam Tip
Match the Pennsylvania fact pattern to the specific branch, office, and remote-work controls rule; do not answer from a generic state or federal assumption.
Common Mistakes to Avoid
- -Treating a Pennsylvania branch, office, and remote-work controls rule as a generic national mortgage rule
- -Choosing a familiar licensing answer that is not supported by the official authority
- -Ignoring the exact condition stated in the explanation
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