A candidate fails the SAFE MLO test three consecutive times. Under NMLS test rules, when may the candidate next attempt the test?

a.Immediately, with no waiting period
b.After 24 hours
c.After 7 days
d.After a waiting period of at least 180 days

Explanation

NMLS test-retake rules require a candidate to wait at least 30 days between the first three attempts, and after three consecutive failures the candidate must wait at least 180 days before retaking the test. These waiting periods are designed to ensure candidates are adequately prepared.

Law Reference: SAFE Act

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