Question 31
Domain 2: Mortgage Loan Origination ActivitiesAn MLO completed the "Ethics in Mortgage Lending 2025" course in 2025 for CE credit. Can they take the same course in 2026?
Correct answer: C
Explanation
CE courses generally may not be repeated for credit in consecutive years, so an MLO who completed "Ethics in Mortgage Lending 2025" in 2025 cannot use the same course again in 2026. The rule prevents counting the same course for CE in back-to-back years.
Why each option is right or wrong
A. Yes, as long as it is NMLS-approved
B. Yes, but only if they take additional courses
C. No, they cannot take the same course in consecutive years
Under the SAFE Act’s MLO continuing-education rules, a course used for CE credit cannot be counted again in the immediately following year; the NMLS CE framework bars repetition of the same course in consecutive years. Because the course was already completed for 2025 credit, taking that identical course again in 2026 would not satisfy the annual CE requirement for credit, even if the title is unchanged and the content is the same.
D. No, they must wait at least 3 years