Course Provider and MLO are Reminded of the “Successive Year” Rule

The Secure and Fair Enforcement for Mortgage Licensing Act of 2008 (SAFE Act) requires that state-licensed mortgage loan originators (MLOs) complete 8 hours of NMLS approved continuing education (CE) annually. The SAFE Act also stipulates that a state-licensed MLO “may not take the same approved course in the same or successive years to meet the annual requirements for continuing education.” NMLS has interpreted the term “successive years” to mean two years in a row.

The NMLS call center recently took a call from an MLO asking why their education hours were not adding up to the required 8 hours necessary for annual CE compliance even though they had completed several courses.  The reason was the MLO completed the same course two years in a row and the system is programmed not to count the same course twice.  This is a costly and time-consuming mistake that can be avoided.  Additional information about the “Successive Year” rule can be found in the NMLS Resource Center at

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