Required SAFE Categories
- 3 hours Federal law and regulations
- 2 hours ethics, including fraud, consumer protection, and fair lending
- 2 hours nontraditional mortgage lending
- 1 hour elective mortgage-origination education
Choose the 2026 NMLS-approved course path that matches your state license requirements, including the updated eight-hour SAFE comprehensive course and state-specific options.
This course is designed for state-licensed MLOs whose licensing agency accepts a standard eight-hour SAFE comprehensive course for the 2026 CE year.
Before enrolling, verify whether your state requires a specific state-law elective instead of the general elective hour.
For licenses that accept the national eight-hour SAFE comprehensive course.
Choose the applicable 2026 option when a licensing agency requires state-law education or additional hours.
Review every license you hold and select the course combination that satisfies all applicable agencies.
NMLS publishes required annual topics for approved CE courses. Course content is developed around current compliance issues and the required SAFE categories.
Federal mortgage laws, disclosures, consumer protections, and current regulatory concerns.
Fraud prevention, fair lending, consumer protection, and ethical mortgage-origination conduct.
Standards, risks, and responsibilities related to nontraditional mortgage products.
Confirm the 2026 option that satisfies each state license you maintain.
Work through timed course content, identity verification, interactive activities, and assessments.
Access your completion certificate from your Education Pathways account.
Allow time for reporting and confirm the course has posted before filing the renewal.
Start with the eight-hour comprehensive course or select the correct state-specific option.
Education Pathways identifies the course as “8 Hour SAFE Comprehensive: Mortgage Compliance What Every MLO Should Know 2026,” NMLS course approval number 18964.
No. Some state agencies require a state-specific elective or additional education. Review the official state-specific chart before purchasing.
Education Pathways reports applicable NMLS-approved course completions. Learners should still verify that the record has posted before renewing.
Do not assume so. The SAFE Act successive-year rule may prevent the same approved course from applying in consecutive years.
Course availability and state acceptance can vary. Review the live course options and your NMLS education record before enrolling.