Uniform State Test (UST) · 11% of the SAFE examhard
Correct answer: She must retake and pass the National Test because she has not maintained a valid license for more than 5 consecutive years
Under NMLS rules, a passing score on the SAFE MLO National Test is only portable and exempt from retesting if the MLO has maintained a valid, continuously active state license. If an MLO has not been licensed for a period of 5 or more consecutive years, the prior passing test score is no longer valid and the individual must retake and pass the National Test (and any applicable state-specific component) before a new license can be issued. Since this MLO has had a 6-year lapse — exceeding the 5-year threshold — her old score is no longer recognized. "She must retake only the state-specific component fo..." is incorrect because the portability exemption requires continuous licensure. "She is permanently ineligible to retake the National..." is incorrect because both components would need to be retaken given the lapse. "Her prior passing score is fully valid and she is ex..." is incorrect because there is no permanent ineligibility for retesting; she is simply required to retest.
CRAM ARCADE has the full NMLS question bank, timed practice exams, focus drills on your weakest category, flashcards and spaced repetition. No credit card.
Start studying free