Uniform State Test (UST) · 11% of the SAFE exameasy
Correct answer: 20 hours — the federal SAFE Act minimum with no additional state requirement
Alabama requires exactly 20 hours of pre-licensing education, matching the federal SAFE Act minimum. Alabama does NOT require any additional state-specific pre-licensing hours. The 20 hours must include: 3 hours federal law, 3 hours ethics (fraud, consumer protection, fair lending), 2 hours non-traditional mortgage lending, and 12 hours of elective content. Some states require additional hours — Alabama does not. Know which states add hours and which follow the federal minimum.
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