Uniform State Test (UST) · 11% of the SAFE exameasy
Correct answer: 8 hours — matching the federal SAFE Act minimum with no additional state-specific hours
Alabama requires exactly 8 hours of annual continuing education, matching the federal SAFE Act minimum. The 8 hours must include: 3 hours federal law, 2 hours ethics (fraud, consumer protection, fair lending), 2 hours non-traditional mortgage lending, and 1 hour elective. Alabama does NOT require additional state-specific CE hours. CE must be completed by December 31 each year. Some states require state-specific CE hours — Alabama is not one of them. Know the difference for the exam.
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