Ethics · 18% of the SAFE exammedium
Correct answer: Completion of the 20-hour pre-licensure education course and retaking and passing the SAFE MLO Test
Under the SAFE Act, if an MLO's license has been lapsed for more than 12 months, the individual is treated as if applying for a new license and must complete the 20-hour pre-licensure education requirement and retake and pass the SAFE MLO Test. Simply completing annual CE ("Completion of the 20-hour pre-licensure education co..." is insufficient after a lapse of this duration. Retaking only the state exam ("Completion of 8 hours of continuing education for ea..." is insufficient — both the pre-licensure education and full testing are required. "Retaking only the state portion of the SAFE MLO Test..." is incorrect — a lapse of more than 12 months triggers full relicensing requirements, not just a written explanation.
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