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1 Hour KY SAFE: Kentucky Mortgage Continuing Education

Kentucky CE 1 Hour Online Self-Study CE Elective

1 hour state-specific online continuing education course for Kentucky mortgage loan originators.

This Kentucky NMLS course meets the DFI state-specific requirement for MLO annual license renewal.

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Included Standard:

Online Course Online Audio Printable Certificate PDF & EPUB eBook

Key Features:

Online Course

All learning is online. Start immediately. Learn on your own schedule.

Online Audio

Read-along audio plays the course text back to you.

Printable Certificate

Download and print your own certificate.

PDF & EPUB eBook

Includes PDF/EPUB eBook of all reading material for your tablet or Kindle.

This course is designed to fulfill the requirements for continuing education set forth by the SAFE Act and the Commonwealth of Kentucky. In this course we will spend a short time reviewing the structure of the Kentucky Department of Financial Institutions (DFI), go over important definitions of terms, review Kentucky's license and law regulations, go in-depth into compliance issues specific to Kentucky law including a case study based on real-world enforcement actions, and finish with a sample of disciplinary actions.

Please review the Course Syllabus for details about this course.

This course satisfies 1 hour of required continuing education for Kentucky licensed mortgage loan originators. This course is approved by the NMLS. A valid NMLS ID number is required to receive credit for this course. Certain states may have additional requirements beyond what this course provides. Be sure to check with your state to see if this course meets your needs.

This course is new for 2022 and meets the SAFE Act's "successive years" rule.

Package Summary

Price: $19.50 (USD)
+ $1.50 NMLS Credit Banking Fee
Credit Hours: 1
Category: Mortgage > Continuing Education > Kentucky > CE Elective
Purpose: 1 hour state-specific online continuing education course for Kentucky mortgage loan originators.
Features: Online Text, Online Audio, Printable Certificate, PDF eBook

Courses Provided By:

7405 SW Beveland Rd,
Portland, OR 97223
(503) 670-9278

NMLS Course Provider ID: 1400327

Terms of Service:

Purchase of this package requires that you read and acknowledge a Terms of Service agreement before receiving credit for any courses contained in this package. Please review the following:

1 Hour KY SAFE: Kentucky Mortgage Continuing Education

NMLS Course ID: 13691

NMLS Sponsor ID: 1400327

Credit Hours Provided: 1

Category: CE Elective

View Course Syllabus

The Commissioner of the Kentucky Department of Financial Institutions (DFI) requires mortgage licensees in this state to take a one-hour course on Kentucky mortgage lending rules as part of the licensees' annual continuing education requirement for license renewal. This course covers Kentucky mortgage topics for licensee continuing education.

The first module of this course outlines the branches within the DFI and reviews several definitions outlined in Kentucky Revised Statute (KRS) chapter 286, the regulation that defines mortgage lending services in this state. We'll review initial licensing requirements and the steps needed to maintain the authorized license.

The second module explains compliance requirements and disciplinary actions available to the commissioner. We'll outline prohibited conduct that licensees should avoid as well as explain conduct that are expected during the lending process. This course will also define the limitations on fees and the state usury regulations, actions that might result in license suspension, and the commissioner's available penalties that can be ordered against guilty licensees.

Topics and Learning Objectives

This course consists of two modules and a final exam:

  1. Module 1: Kentucky DFI, State Law Definitions, and State License Law (15 minutes)
  2. Module 2: Compliance and Disciplinary Actions (25 minutes)
  3. Final exam (10 minutes)

Total study time: 1 credit hour (50 minutes)

This course will prepare Kentucky-licensed MLOs to:

  • Generalize the structure of the Kentucky DFI
  • Describe the powers and duties of the Commissioner of the DFI
  • Review important term definitions, including those specific or unique to Kentucky regulations
  • Identify the licensing and registration exemptions covered in Kentucky law
  • Identify the requirements to obtain and maintain a license or registration
  • Illustrate and avoid prohibited practices and conduct
  • Summarize the Kentucky Residential Mortgage Fraud Act
  • Define the required conduct that is expected in the course of day-to-day operations
  • Give examples of appropriate - and inappropriate - fees and charges, including those for reverse mortgages
  • Identify the criteria for usury in the Commonwealth of Kentucky
  • Explain appraisal independence requirements through case study and review Kentucky-specific appraisal laws
  • Recognize DFI disciplinary actions, including license denial, suspension or revocation, penalties and fines, and civil liability.

NMLS ID Required

You must have an NMLS ID to receive credit for this course. You will need this number before you begin the course.

If you already have an NMLS ID but don't remember what it is:

  • Login into NMLS
  • Click on the Composite View tab.
  • Click View Individual on the sub-header row.
  • The number that appears in parentheses after your name is your NMLS ID number.

If you do not have an NMLS ID and need to obtain one, use the instructions available in the NMLS Resource Center.

This course will remain available to students for 365 days after enrollment.

Our Mission Statement

To provide superior distance education that exceeds industry standards and expectations in course content and delivery methods to those who seek to enter a new profession and those engaged in a profession.