A borrower is applying for a mortgage and notices that the loan application he received does not include any NMLS identifier. The MLO explains that she recently changed employers and her new NMLS number has not been issued yet. Which of the following is the most accurate assessment of this situation?

This is acceptable because the identifier requirement only applies to purchase transactions, not refinances This is a violation only if the borrower specifically requests the identifier and the MLO refuses to provide it This is acceptable because a brief gap in NMLS identifier assignment is a recognized exception under the SAFE Act This is a violation because the SAFE Act requires the MLO's unique identifier to appear on all residential mortgage loan applications, and the identifier does not change with a job change