1 Hour ID SAFE: 2026 Continuing Education Online Self-Study Course #18464

By the end of this course, learners will be able to:

• Understand the key provisions of Idaho's House Bill 149 (HB 149), including restrictions on mortgage trigger leads, required disclosures, and compliance with federal privacy laws.
• Recognize the impact of HB 149 on consumer privacy, the reduction of unsolicited mortgage solicitations, and how mortgage professionals can use this law to build trust and promote transparency in their practices.
• Recognize and understand the prohibited acts for mortgage loan originators (MLOs), including fraudulent schemes, deceptive advertising, and violations of state and federal law.
• Identify the ethical standards and legal requirements related to MLO conduct, such as transparent disclosures, proper fee collection, and compliance with licensing and disclosure rules.
• Identify common deceptive advertising practices in the mortgage industry and understand their potential impact on both consumers and mortgage professionals.
• Understand the key provisions of the Idaho Financial Fraud Prevention Act, the Idaho Consumer Foreclosure Prevention Act, and the Idaho Consumer Protection Act, and how these laws safeguard consumers in the mortgage process.
• Learn how to comply with Idaho state laws and regulations related to advertising in the mortgage industry to ensure transparency, fairness, and ethical conduct.