Uniform State Test (UST) · 11% of the SAFE exammedium
Correct answer: Submitting to fingerprinting and an FBI criminal background check
Both depository (registered) and non-depository (licensed) MLOs must be fingerprinted and undergo an FBI criminal background check — this is a universal requirement under the NMLS. "Completing a minimum of 20 hours of pre-licensure ed..." is incorrect — surety bond requirements apply specifically to state-licensed MLOs, not necessarily to registered employees of federal depository institutions. "Achieving a passing score of at least 75% on the NML..." is incorrect — the 20-hour pre-licensure education requirement applies to state-licensed MLOs, not to employees of federally regulated depository institutions in the same formal way. "Submitting to fingerprinting and an FBI criminal bac..." is incorrect — the 75% passing score on the NMLS exam is a state licensing requirement, not uniformly required for depository institution registration.
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