Uniform State Test (UST) · 11% of the SAFE exameasy
Correct answer: 3 hours of ethics including fraud, consumer protection, and fair lending
The SAFE Act requires that the 20 hours of pre-licensure education include 3 hours of ethics covering fraud, consumer protection, and fair lending issues. The other answer choices contain incorrect hour counts: state-specific content is addressed separately (not 10 hours), nontraditional mortgage training is 2 hours (not 5), and federal law coverage is 3 hours (not 4).
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