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A licensed MLO wants to let their license lapse and return to the industry later. If the MLO has been inactive for more than 5 years, what is required to reinstate the license?

Uniform State Test (UST) · 11% of the SAFE exameasy

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Correct answer: Retake the SAFE MLO national exam and meet all current licensing requirements

Under SAFE Act Section 1505(d), a state licensed loan originator who fails to maintain a valid license for a period of 5 years or longer must retake and pass the SAFE MLO licensing test. They must also meet all current licensing requirements including pre-licensing education, background checks, and credit report review.

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