How To Renew Your MLO License
The NMLS Policy Committee (NMLSPC) determines the requirements for continuing education (CE) for Mortgage Loan Originators.
They have required that every licensed MLO complete a minimum of 8 hours of CE every calendar year.
If you just got your license, then you will still have to take the CE in the same year. The only exception is if you completed your pre-license education (PE) course requirements in the same year your license was approved. Then, you won’t have to do the CE for that year.
When you finish the course, your education provider will be submitting the certificates to the NMLS. It is essential to keep in mind this can take up to 7 days. So, it is recommended to complete your CE by the SMART Deadline so that your renewal gets processed on time.
SMART Deadline – Friday, December 17, 2019
At Risk to Miss the Renewal Deadline – Friday, December 24, 2019
Guaranteed to Miss Renewal Deadline: Tuesday, December 31, 2019
If you miss the deadline, you will be required to take an additional 8 hour Late CE course.
CE Requirements by State
Although the NMLSPC sets the national CE policy, every state is authorized to mandate their own requirements on top of this. Many states require state-specific courses, and some even require more than 8 hours of CE.
Arizona
A total of 8 hours of annual CE is required and must include 3 hours of federal law, 2 hours of ethics (which shall consist of fraud, consumer protection, and fair lending issues), and 2 hours of non-traditional mortgage lending, plus one additional hour of AZ state-specific education.
California - DBO
A total of 8 hours of annual CE is required and must include 3 hours of federal law, 2 hours of ethics (which shall consist of fraud, consumer protection, and fair lending issues), and 2 hours of non-traditional mortgage lending, plus one additional hour of CA-DBO-specific education.
Colorado
A total of 8 hours of annual CE is required and must include 3 hours of federal law, 2 hours of ethics (which shall consist of fraud, consumer protection, and fair lending issues), and 2 hours of non-traditional mortgage lending, plus one additional hour of CO state-specific education.
Connecticut
A total of 8 hours of annual CE is required and must include 3 hours of federal law, 2 hours of ethics (which shall consist of fraud, consumer protection, and fair lending issues), and 2 hours of non-traditional mortgage lending, plus one additional hour of CT state-specific education.
Washington, DC
A total of 8 hours of annual CE is required and must include 3 hours of federal law, 2 hours of ethics (which shall consist of fraud, consumer protection, and fair lending issues), and 2 hours of non-traditional mortgage lending, plus one additional hour of DC-specific education.
Florida
A total of 8 hours of annual CE is required and must include 3 hours of federal law, 2 hours of ethics (which shall consist of fraud, consumer protection, and fair lending issues), and 2 hours of non-traditional mortgage lending, plus one additional hour of FL state-specific education.
Georgia
A total of 8 hours of annual CE is required and must include 3 hours of federal law, 2 hours of ethics (which shall consist of fraud, consumer protection, and fair lending issues), and 2 hours of non-traditional mortgage lending, plus one additional hour of GA state-specific education.
Hawaii
A total of 8 hours of annual CE is required and must include 3 hours of federal law, 2 hours of ethics (which shall consist of fraud, consumer protection, and fair lending issues), and 2 hours of non-traditional mortgage lending, plus one additional hour of HI state-specific education.
Idaho
A total of 8 hours of annual CE is required and must include 3 hours of federal law, 2 hours of ethics (which shall consist of fraud, consumer protection, and fair lending issues), and 2 hours of non-traditional mortgage lending, plus one additional hour of ID state-specific education.
Kentucky
A total of 8 hours of annual CE is required and must include 3 hours of federal law, 2 hours of ethics (which shall consist of fraud, consumer protection, and fair lending issues), and 2 hours of non-traditional mortgage lending, plus one additional hour of KY state-specific education.
Maryland
A total of 8 hours of annual CE is required and must include 3 hours of federal law, 2 hours of ethics (which shall consist of fraud, consumer protection, and fair lending issues), and 2 hours of non-traditional mortgage lending, plus one additional hour of MD state-specific education.
Massachusetts
A total of 8 hours of annual CE is required and must include 3 hours of federal law, 2 hours of ethics (which shall consist of fraud, consumer protection, and fair lending issues), and 2 hours of non-traditional mortgage lending, plus one additional hour of MA state-specific education.
Minnesota
A total of 8 hours of annual CE is required and must include 3 hours of federal law, 2 hours of ethics (which shall consist of fraud, consumer protection, and fair lending issues), and 2 hours of non-traditional mortgage lending, plus one additional hour of MN state-specific education.
Missouri
A total of 8 hours of annual CE is required and must include 3 hours of federal law, 2 hours of ethics (which shall consist of fraud, consumer protection, and fair lending issues), and 2 hours of non-traditional mortgage lending, plus one additional hour of MO state-specific education.
New Jersey
A total of 12 hours of annual CE is required and must include 3 hours of federal law, 2 hours of ethics (which shall consist of fraud, consumer protection, and fair lending issues), and 2 hours of non-traditional mortgage lending, plus 3 hours of electives and 2 additional hours of NJ state-specific education.
New Mexico
A total of 8 hours of annual CE is required and must include 3 hours of federal law, 2 hours of ethics (which shall consist of fraud, consumer protection, and fair lending issues), and 2 hours of non-traditional mortgage lending, plus one additional hour of NM state-specific education.
New York
A total of 11 hours of annual CE is required and must include 3 hours of federal law, 2 hours of ethics (which shall consist of fraud, consumer protection, and fair lending issues), and 2 hours of non-traditional mortgage lending, plus 1 hour of elective and 3 additional hours of NY state-specific education.
North Carolina
A total of 8 hours of annual CE is required and must include 3 hours of federal law, 2 hours of ethics (which shall consist of fraud, consumer protection, and fair lending issues), and 2 hours of non-traditional mortgage lending, plus one additional hour of NC state-specific education.
Oregon
A total of 10 hours of annual CE is required and must include 3 hours of federal law, 2 hours of ethics (which shall consist of fraud, consumer protection, and fair lending issues), and 2 hours of non-traditional mortgage lending, plus 1 hour of elective and 2 additional hours of OR state-specific education.
Pennsylvania
A total of 8 hours of annual CE is required and must include 3 hours of federal law, 2 hours of ethics (which shall consist of fraud, consumer protection, and fair lending issues), and 2 hours of non-traditional mortgage lending, plus one additional hour of PA state-specific education.
Rhode Island
A total of 8 hours of annual CE is required and must include 3 hours of federal law, 2 hours of ethics (which shall consist of fraud, consumer protection, and fair lending issues), and 2 hours of non-traditional mortgage lending, plus one additional hour of RI state-specific education.
South Carolina-BFI
A total of 8 hours of annual CE is required and must include 3 hours of federal law, 2 hours of ethics (which shall consist of fraud, consumer protection, and fair lending issues), and 2 hours of non-traditional mortgage lending, plus one additional hour of SC-BFI-specific education.
South Carolina-DCA
A total of 8 hours of annual CE is required and must include 3 hours of federal law, 2 hours of ethics (which shall consist of fraud, consumer protection, and fair lending issues), and 2 hours of non-traditional mortgage lending, plus one additional hour of SC-DCA-specific education.
Utah-DRE
A total of 10 hours of annual CE is required and must include 3 hours of federal law, 2 hours of ethics (which shall consist of fraud, consumer protection, and fair lending issues), and 2 hours of non-traditional mortgage lending, plus 1 hour of elective and 2 additional hours of UT state-specific education.
Washington
A total of 9 hours of annual CE is required and must include 3 hours of federal law, 2 hours of ethics (which shall consist of fraud, consumer protection, and fair lending issues), and 2 hours of non-traditional mortgage lending, plus 1 hour of elective and 1 additional hour of WA state-specific education.
West Virginia
A total of 9 hours of annual CE is required and must include 3 hours of federal law, 2 hours of ethics (which shall consist of fraud, consumer protection, and fair lending issues), and 2 hours of non-traditional mortgage lending, plus 2 additional hours of WV state-specific education.
All Other States
A total of 8 hours of annual CE is required and must include 3 hours of federal law, 2 hours of ethics (which shall consist of fraud, consumer protection, and fair lending issues), and 2 hours of non-traditional mortgage lending, plus one additional hour of elective education.