1 Hour Arizona SAFE 2026 State Law Course

This 1 hour course on Arizona laws and regulations fulfills the annual state-specific elective CE required for license renewal. Licensed mortgage loan originators in the state must take a total of 8 hours of continuing education each year, with 3 hours being dedicated to Federal law, 2 hours of ethics, 2 hours of non-traditional mortgage lending, and 1 hour of state-specific content.  

We will begin with a review of the regulatory structure governing MLOs in Arizona, including the Department of Insurance and Financial Institutions (AZDIFI) and a review of the AZ SAFE Mortgage Licensing Act in comparison to the NMLS Model Act. We will then examine the state laws pertaining to the qualifying activities of an MLO, as well as the differences between various loan professionals in the industry.  

In the second module, we will examine the state's prohibited practices with regard to loan origination and the potential penalties for violations according to the Arizona Revised Statutes. As part of this discussion, we will look at the deputy director's investigative and enforcement authority. Next we will provide updates on the Arizona Mortgage Recovery Fund. To conclude the class, we will go over a bit of Arizona mortgage lending news, such as legislative updates, home buyer resources, and a real world case study involving a DIFI enforcement action. This section will help emphasize the importance of compliance with Arizona regulations governing loan origination activities. 

To promote comprehension, students will complete a 5-question quiz and short activity after each module. A 15-question final exam will wrap up the course.