2026 7 + 1 Hour Florida Elective CE Webinar
October 22nd @ 10:00 AM Central
Complete your Florida NMLS continuing education in one live session with an instructor. This package combines two NMLS-approved courses for a total of 8 hours.
Date: October 22nd, 2026
Time: 10:00 AM - 6:00 PM CT
(7:00 AM PT / 8:00 AM MT / 10:00 AM ET)
7 Hour SAFE Core: Top 10-Violations, Manufactured Homes/Condos, Fraud, Cybersecurity & AI, Non-QM's, & Industry Updates
In this course, we will explore a diverse range of timely and critical topics shaping today's mortgage landscape. This year's course begins by addressing the Top 10 Violations identified by the NMLS for 2026—essential regulatory concerns all mortgage professionals must understand. In Chapter 2, we examine underwriting and eligibility guidelines for manufactured homes and condominiums, emphasizing agency requirements and best practices. Chapter 3 dives into emerging issues in cybersecurity and the ethical use of AI, along with a focused discussion on mortgage fraud, ethical conduct, and BSA/AML compliance. Chapter 4 highlights the importance of protecting veterans and servicemembers from unethical mortgage practices. In Chapter 5, we analyze Non-Traditional Mortgage Products and Non-QMs, including key product characteristics and guideline requirements. Chapter 6 is dedicated to understanding UDAAP and strategies for navigating the evolving regulatory environment. Finally, Chapter 7 brings everything full circle with a summary of recent legislative and industry updates, helping ensure that you remain informed, compliant, and prepared to serve your clients with integrity and confidence.
Topics covered:
- Chapter 1: Top 10 Violations
- Chapter 2: Guidelines for Manufactured Homes & Condominiums
- Chapter 3: Fraud, Cybersecurity, & AI
- Chapter 4: Veteran & Servicemember Abuse (Ethical Considerations)
- Chapter 5: Nontraditional Mortgage Products
- Chapter 6: UDAAP & Shift in CFPB Focus
- Chapter 7: Industry Updates
1 Hour FL SAFE: Required Topics & Affordable Housing
This course is broken up into two separate chapters. Chapter 1 is all the required topics that the FL-OFR wants us to discuss. Chapter 2 will explore specific prohibited actions that Florida mortgage professionals must avoid, as well as examine recent enforcement actions taken by the FL-OFR.
Topics covered:
- Chapter 1: Required Florida Topics
- Chapter 2: Affordable Housing
How this class is delivered
This package is delivered as a live webinar on the date and time shown on this page, and both courses are covered in that single scheduled session. Enjoy all of the benefits of a live classroom from the comfort of your own home or office. A score of 70% is required to pass.
Before you enroll
Florida requires mortgage loan originators to complete an 8-hour continuing education class approved by the Registry each year, of which at least 1 hour must cover Chapter 494, Florida Statutes, and Rule Chapter 69V-40, F.A.C. This package covers the full 8 hours, including the Florida hour.
360training is an NMLS-approved course provider — NMLS Provider #1400062.
7 Hour SAFE Core — by the end of this course, learners will be able to:
- Understand the role of the Multi-State Mortgage Committee (MMC) and analyze top violations from the previous year—including ECOA adverse action notices, TRID tolerance thresholds, disclosure accuracy, and recordkeeping—to reinforce compliance with federal and state regulations.
- Evaluate the ethical responsibilities of MLOs in disclosure, transparency, and borrower communication, with an emphasis on preventing UDAAP violations, promoting trust, and safeguarding against fraudulent or deceptive practices.
- Identify key financing considerations for manufactured housing and condominiums, including eligibility, documentation, and project approval requirements, and apply this knowledge to guide borrowers through unique transaction challenges.
- Differentiate between common mortgage fraud schemes and cybercrime risks, recognize red flags, and apply best practices to protect borrowers, lenders, and institutions from financial harm and reputational damage.
- Analyze the impact of artificial intelligence, automation, and Non-QM loan products on mortgage lending practices, assessing both opportunities and risks while aligning with regulatory requirements and borrower needs.
- Interpret recent updates from the CFPB, FHFA, HUD, FHA, Fannie Mae, and Freddie Mac.
- Reflect on the ethical implications of lending practices, marketing strategies, product recommendations, and borrower interactions to ensure fairness, transparency, and integrity in every stage of the mortgage process.
1 Hour FL SAFE: Required Topics & Affordable Housing — by the end of this course, learners will be able to:
- Understand the importance of accurate compliance filings, including MCR, financial condition reports, and audited financial statements.
- Examine the role of regulatory examinations and audits in ensuring industry compliance.
- Analyze the critical role that accurate recordkeeping, financial statements, and reports play in maintaining compliance with Florida's mortgage regulations.
- Assess the net worth requirements for mortgage professionals in Florida, understanding how these financial standards protect both businesses and consumers.
- Explore the legal and ethical guidelines surrounding mortgage disclosures and advertising in Florida, with a focus on how to avoid misleading or deceptive marketing practices that could result in regulatory action.
- Evaluate the conditions and limitations associated with specific mortgage transactions in Florida.
- Understand the investigative process for violations and unethical practices in the mortgage industry and explore how mortgage professionals can proactively avoid violations through ethical conduct and adherence to regulatory standards.
- Ensure that mortgage professionals understand the legal frameworks such as Florida Statutes regarding mortgage fraud and ethics to avoid fraudulent or unlawful behavior.
- Understand the impact of violations on reputation and career: learn how engaging in prohibited activities, such as fraud or misconduct, can not only damage an individual's career but also the integrity of the mortgage industry as a whole.
- Understand the rules around using financial institution logos and names in marketing, ensuring that consent is obtained to avoid misleading potential clients.
- Know that it is unlawful to act as a loan originator, mortgage broker, or mortgage lender in Florida without an active license issued by the OFR.
