1 Hour UT SAFE: 2026 Continuing Education Online Self-Study Course # 18561
This course covers the state-specific topics required by the Utah DRE, including unlicensed activity, permissible gifts and monetary limits, mortgage advertising, and specialized energy-efficient mortgage programs.
In addition, this course examines real-world mortgage licensing and disciplinary actions taken by the Utah Division of Real Estate in 2025. These cases illustrate how the laws discussed in this course are applied in practice and highlight the serious consequences of noncompliance. Together, the required topics and enforcement examples reinforce the importance of understanding and complying with both Utah mortgage law and applicable federal regulations.
NMLS Provider # 1400062
1 hour Utah SAFE: Required Topics & Recent Enforcement
$32.98
- Explain why proper licensure is required to lawfully conduct residential mortgage activity in Utah and identify the risks and consequences of unlicensed activity.
- Recognize activities that require licensure, including loan origination, loan modification assistance, and foreclosure rescue, particularly when compensation or anything of value is involved.
- Identify prohibited practices related to loan modification and foreclosure rescue, especially those that target distressed homeowners or involve deceptive inducements.
- Distinguish between permissible and prohibited compensation, gifts, and things of value, including payments to unlicensed individuals and conduct restricted under RESPA.
- Evaluate mortgage advertising for compliance, including rate promotions, builder buydowns, billboard ads, and representations about licensure, approval, or affiliation.
- Understand heightened compliance risks associated with solar panel financing and energy-related mortgage transactions, including disclosure obligations and fraud concerns.
- Explain how violations of Utah mortgage law lead to disciplinary action, including civil penalties, probation, license suspension, and permanent revocation.
- Identify common compliance failures highlighted in recent Utah Division of Real Estate enforcement actions, including misrepresentation of borrower funds, conflicts of interest, and improper branch registration.
- Understand why these violations matter, particularly how they undermine consumer protection and regulatory oversight.
