Florida Requirements

Pre-Licensure Education Requirements

Information about Getting Started from the NMLS Resource Center

New state-licensed MLOs are required to complete 20 hours of NMLS-approved education. This education must include 3 hours of Federal law, 3 hours of ethics (which shall include fraud, consumer protection, and fair lending issues), 2 hours of non-traditional mortgage lending, plus 12 hours of undefined education (referred to as electives). Number of hours is 3/3/2/12 = 20

Florida does not have a requirement for instruction on state-specific law.

State Licensing Resources & Support

Continuing Education Requirements

Every state-licensed MLO (in any approved status) is required to complete at least 8 hours of NMLS approved education annually beginning with the first year after they complete PE (see chart below). Annual CE education must include 3 hours of Federal law, 2 hours of ethics (which shall include fraud, consumer protection, and fair lending issues), and 2 hours of non-traditional mortgage lending, plus one (1) additional hour of education (referred to as an elective). Number of hours is 3/2/2/1 = 8

MLOs are advised that to comply with the SAFE Act's "successive years" rule, they may not take the same CE course two years in a row.