Uniform State Test (UST) · 11% of the SAFE exameasy
Correct answer: 20 hours
The SAFE Act mandates exactly 20 hours of pre-licensure education (PE) for state-licensed MLO candidates. This includes 3 hours of federal law, 3 hours of ethics, 2 hours of nontraditional mortgage lending, and 12 hours of undefined instruction. The other options (12, 24, 30) are incorrect — 12 hours is the common distractor that confuses this requirement with other training hours, while 24 and 30 hours are simply above the required amount.
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