Nội dung tiểu bang thống nhất (SAFE)Câu 383 / 400
The SAFE Act sets minimum national standards but allows states to do which of the following?
a.Eliminate the surety bond requirement entirely
b.Waive the criminal background check for local applicants
c.Enact requirements that are more stringent than the federal minimums, such as additional education hours
d.Reduce the pre-licensing education below 20 hours
Giải thích
The SAFE Act establishes a floor, not a ceiling. States must meet the federal minimum standards but are free to impose stricter requirements, such as additional state-specific education, higher bond amounts, or extra testing. They cannot go below the federal minimums.
Trích dẫn luật: SAFE ActLuyện miễn phí toàn bộ 400 câu hỏi — không cần đăng ký.
Câu hỏi liên quan cùng chủ đề
- A candidate fails the SAFE MLO test three consecutive times. Under NMLS test rules, when may the candidate next attempt the test?
- An MLO who lets a license lapse and then reinstates it late must generally satisfy which continuing-education condition?
- Which statement best distinguishes a state-licensed MLO from a federally registered MLO?
- An MLO places a radio advertisement for mortgage services. Under the SAFE Act, what must the advertisement include regarding the unique identifier?
- What was a primary factor motivating Congress to pass the SAFE Act in 2008?
- An individual originates a mortgage loan secured by their own residence for their own personal use and receives no compensation. Under a common SAFE Act exemption, this person is:
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