Pre-Licensure Education Requirements
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
Effective 1/1/17 FL has a requirement for 2 hours of instruction on state-specific law which may be satisfied by either taking a FL comprehensive course or a state-specific elective course.