2026 4 Hr AZ DFI Responsible Individual Online CE Course

Course Information

This 4 hour Arizona CE course is required by the DFI for 2026 Arizona DFI mortgage license renewal.

In this continuing education course, we will be discussing three important topics for the mortgage industry in 2026. This course is broken up into three chapters. In Chapter 1, we will talk about what it means to be a responsible individual and dive into the wide world of advertising. In Chapter 2, we will switch gears and talk about prohibited acts and fraud, and in Chapter 3, we will discuss identity theft and cybersecurity. 
 
Arizona requires the Responsible Individual designated on a mortgage broker or mortgage banker company license to complete 12 hours of CE annually by December 31. 8 hours are completed through the standard NMLS SAFE CE pipeline. This course satisfies the remaining 4 hours, which are a direct AZDIFI obligation and not banked in NMLS. No proctoring is required. The learner receives a certificate of completion to submit directly to AZDIFI with the company license renewal checklist.

This course is presented in an online self-study read-only slide presentation format. The course is made up of 3 chapters broken into 5 minute sections that require clicking to advance to the next slide and includes a handful of small quizzes. After completing the introduction to the course, each section will start with an average duration of 5 minutes per section. Each 5 minute section will be followed by an activity. These activities can be either short quizzes or case studies focusing on certain concepts.

At the end of each chapter, there is a chapter quiz with a final exam wrapping up the course. Students must complete all presentation and activity sections, all quizzes and tests, and the final exam in order to receive credit for the course. After completing the course, students will receive a certificate of completion.

The course will be loaded into your account immediately upon purchase.

Course Learning Objectives

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

• Outline the requirements under Arizona law for advertising  
• Describe federal requirements for advertising  
• Define the responsibilities of a responsible individual; and finally,  
• Apply the information you’ve learned to a couple of questionable advertisements.  
• List the acts prohibited for MLOs under Arizona Law  
• Define fraud and understand the common fraud schemes right now  
• List the acts prohibited for MLOs under Arizona Law  
• Define fraud and understand the common fraud schemes right now
• Define identity theft and cybersecurity  
• Describe the requirements under the Red Flags Rule  
• Understand the Gramm-Leach-Bliley Act  
• Outline advice to give to borrowers to help them avoid being a victim of Identity Theft  
• Relate information on top cybersecurity threats and topics; and  
• Describe requirements for security breach notifications.  
• Understand ransomware and best practices for creating passwords, and finally  
• Recognize suspicious emails to help prevent wire fraud  

4 Hour Arizona Responsible Individual CE Course Outline

This course focuses on the following topics:

Chapter 1

• Definition of a Responsible Individual
• AZ Advertising Requirements
• Federal Advertising Laws
• MSAs
• Creating Complaint Social Media Posts

Chapter 2

• Helping MLOs Obtain and Maintain their Licenses
• Prohibited Acts
• Case Study: Falsifying Mortgage Documents
• Defining Mortgage Fraud
• Mortgage Fraud in Today’s World
• Income and Occupancy Fraud
• Case Study: Fraud for Housing
• Handling Consumer Complaints

Chapter 3

• Identity Theft and Cybersecurity
• The Red Flags Rule
• Advice to the Borrower
• What is a Cybersecurity Breach
• What is Cybersecurity
• GLBA
• Ransomware
• Case Study: Data Breach
• Creating Strong Passwords
• Business Email Compromise and Wire Fraud
• Suspicious Emails
• Case Study: CD-DISB