Uniform State Test (UST) · 11% of the SAFE exameasy
Correct answer: A federal criminal background check through the FBI using fingerprints
The SAFE Act requires that all MLO applicants submit fingerprints to the FBI through the NMLS for a federal criminal background check. This is distinct from a credit check (which is a separate requirement), a civil court search, or a motor vehicle check. The fingerprint-based FBI check ensures that individuals with disqualifying criminal histories are identified during the licensing process.
CRAM ARCADE has the full NMLS question bank, timed practice exams, focus drills on your weakest category, flashcards and spaced repetition. No credit card.
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