What law requires states to license mortgage loan originators?
The Secure and Fair Enforcement for Mortgage Licensing Act of 2008 (SAFE Act) is the federal law that requires it. Signed July 30, 2008, it requires every state to license individual mortgage loan originators and sets minimum standards: at least 20 hours of NMLS-approved pre-licensing education, a 75% passing score on the SAFE test, and criminal background and credit checks. The CFPB implements the law through Regulation H (12 CFR part 1008).
The federal Secure and Fair Enforcement for Mortgage Licensing (SAFE) Act requires states to license and register mortgage loan originators. Alabama implemented it through the Alabama S.A.F.E. Mortgage Licensing Act of 2009, codified at Code of Ala. Title 5, Chapter 26, which the State Banking Department's Supervisor of the Bureau of Loans administers.
Sources: Alabama Banking Dept: SAFE Mortgage Licensing Act text (PDF) — Code of Ala. Title 5, Chapter 26; Alabama Banking Dept: Alabama Mortgage Brokers Licensing Act (Code of Ala. 5-25) text (PDF).
The federal Secure and Fair Enforcement (SAFE) Mortgage Licensing Act of 2008 requires states to license mortgage loan originators. Alaska implemented it through the Alaska Secure and Fair Enforcement for Mortgage Licensing Act of 2010, Alaska Statute 06.60, which the Alaska Division of Banking and Securities administers under Alaska Administrative Code Title 3, Chapter 14.
Sources: Alaska DBS: Mortgage Loan Originator New Application Checklist (Rev. 05/2025); Alaska DBS: Mortgage Broker/Lender New Application Checklist (Rev. 05/2025).
The Secure and Fair Enforcement for Mortgage Licensing Act of 2008 (SAFE Act) requires states to license mortgage loan originators. This federal law (12 United States Code sections 5101 through 5116) created the Nationwide Multistate Licensing System and Registry (NMLS), the system states use to process loan originator applications. Arizona licenses loan originators under Title 6, Chapter 9, Article 4 of the Arizona Revised Statutes.
Sources: A.R.S. 6-991.03: Loan originator licensing; renewal; qualifications; application; fees; A.R.S. 6-991.04: Issuance of LO license; employer notice; renewal; inactive status; address change; fee.
The SAFE Act, a federal law codified at Title 12, Chapter 51 of the United States Code, requires states to license and register mortgage loan originators through the Nationwide Multistate Licensing System (NMLS). California implemented it through Senate Bill 36, signed in October 2009, which requires the state's real estate licensees who conduct residential mortgage loan origination to obtain an MLO endorsement.
Sources: California DRE: MLO License Endorsement Information; California DRE: How to Obtain a Mortgage Loan Originator License (RE 19).
Mortgage loan originator licensing comes from the federal SAFE Act, which created the national framework that states administer through the Nationwide Multistate Licensing System (NMLS). Colorado carries it out through the Board of Mortgage Loan Originators at the Division of Real Estate, and state law bars an individual from originating loans unless licensed by the board and registered with NMLS.
Sources: Colorado Division of Real Estate: MLO steps for initial licensure; Colorado DRE: MLO application instruction guide (incl. temporary authority).
The federal SAFE Act. Connecticut implements it through Chapter 668 of the Connecticut General Statutes (Secs. 36a-485 to 36a-498h and related sections), with the Connecticut Department of Banking issuing the licenses and all filings going through NMLS. Employees of federally insured depositories, such as banks and credit unions, register with NMLS instead of holding a state license.
Sources: Conn. Gen. Stat. Ch. 668 Part I (36a-485 to 36a-498h): mortgage lenders, brokers and loan originators; NMLS: Connecticut state-specific PE and CE requirements for MLOs.
The federal Secure and Fair Enforcement for Mortgage Licensing Act of 2008 (SAFE Act) requires states to license and register mortgage loan originators. Delaware implemented it through Chapter 24 of Title 5 of the Delaware Code, the Delaware S.A.F.E. Mortgage Licensing Act of 2009, which the State Bank Commissioner administers.
Sources: 5 Del. C. Ch. 24: Mortgage Loan Originators (Delaware SAFE Act); 5 Del. Admin. Code § 2401-5.0: Fees (Regulation 2401).
The Secure and Fair Enforcement for Mortgage Licensing Act of 2008 (SAFE Act) requires states to license mortgage loan originators. DC implements the requirement through the Mortgage Lender and Broker Act of 1996, administered by the Department of Insurance, Securities and Banking (DISB). Under D.C. Code 26-1103, no person may act as a mortgage loan originator in DC without a license and a valid NMLS unique identifier.
Sources: NMLS: District of Columbia State-Specific Education Requirements (PE and CE) for MLOs; D.C. Code § 26-1103: License Requirements.
The S.A.F.E. Mortgage Licensing Act of 2008 requires states to license mortgage loan originators. It set minimum standards, including 20 hours of prelicensing education, a national test, and criminal background and credit checks, and it established NMLS as the registry through which applications are filed. Florida implements these standards in Chapter 494 of the Florida Statutes.
Sources: NMLS: Florida state-specific PE and CE requirements for MLOs.
The SAFE Act is the federal law that requires states to license mortgage loan originators and that established the national licensing system. Georgia implemented the SAFE Act through the Georgia Residential Mortgage Act, effective July 1, 2009, administered by the Department of Banking and Finance under its Rules Chapter 80-11.
Sources: Ga. Comp. R. & Regs. 80-11-5: Mortgage loan originator licensure and other requirements; Ga. Comp. R. & Regs. 80-5-1-.02: License and supervision fees (LII mirror).
The federal SAFE Mortgage Licensing Act of 2008 requires states to license and register mortgage loan originators and to set minimum standards for education, testing, and background checks. Hawaii carries out the act through Chapter 454F of its revised statutes, adopted as Act 84 of the 2010 legislative session, and the Division of Financial Institutions administers the licensing program.
Sources: HRS 454F-22: Mortgage loan originator, MLOC, exempt sponsoring MLOC, nonprofit, and mortgage servicer company fees (DFI copy, amendments through 2014); HRS 454F-6: Pre-licensing and re-licensing; education of mortgage loan originators (DFI copy, amendments through 2014).
The federal SAFE Act, the Secure and Fair Enforcement for Mortgage Licensing Act, requires states to license mortgage loan originators. Idaho implemented it through the Idaho S.A.F.E. Mortgage Licensing Act of 2009, part of the Idaho Residential Mortgage Practices Act, which sets the state's education, testing, and background check requirements.
Sources: NMLS: Idaho state-specific PE and CE requirements for MLOs; Idaho DOF Guidance Statement 2020-01-CFB: financial responsibility/fitness of MLOs and key individuals.
The federal Secure and Fair Enforcement for Mortgage Licensing Act (SAFE Act) sets minimum standards for the licensing and registration of mortgage loan originators, and state licensing systems operate under those standards. Illinois licenses mortgage loan originators through the Illinois Department of Financial and Professional Regulation (IDFPR) under the state Residential Mortgage License Act of 1987.
Sources: Illinois IDFPR: Mortgage loan originator (official MLO licensing page); IDFPR: Mortgage Loan Originator Frequently Asked Questions.
The SAFE Mortgage Licensing Act of 2008 (SAFE Act) is the federal law behind state licensing of mortgage loan originators. It requires aspiring loan originators to pass the SAFE test to get an NMLS license, and state licensing runs through the Nationwide Multistate Licensing System (NMLS). The Economic Growth, Regulatory Relief and Consumer Protection Act, signed May 24, 2018, later added temporary authority provisions to the SAFE Act.
Sources: Indiana DFI: MLO FAQ (updated 08/26/2025); NMLS: Indiana (IN - DFI) state-specific PE and CE requirements for MLOs.
The federal Secure and Fair Enforcement for Mortgage Licensing Act of 2008 (SAFE Act) requires states to license mortgage loan originators. Iowa implements it through Iowa Code chapter 535D, administered by the superintendent of banking at the Iowa Division of Banking. Since January 1, 2010, an individual may not engage in the business of a mortgage loan originator for Iowa residential real estate without first obtaining and annually maintaining a license.
Sources: Iowa Code Chapter 535D: Mortgage Licensing Act (Iowa SAFE Act); Iowa Administrative Code 187—Chapter 19: Mortgage loan originators.
The federal Secure and Fair Enforcement for Mortgage Licensing (SAFE) Act requires state-licensed mortgage loan originators nationwide to pass a national test with a score of 75% or better, complete at least 20 hours of prelicensing education, and take eight hours of continuing education each year. Kansas implements these standards through the Kansas Mortgage Business Act (K.S.A. 9-2201 et seq.), which the Office of the State Bank Commissioner administers through NMLS.
Sources: NMLS: Kansas state-specific PE and CE requirements for MLOs.
The Secure and Fair Enforcement for Mortgage Licensing Act of 2008, known as the SAFE Act, requires states to license and register mortgage loan originators. Kentucky implemented it through House Bill 106, effective June 25, 2009, creating the registration system the Department of Financial Institutions administers through NMLS. The same federal law led to the free NMLS Consumer Access website, where the public can verify who is licensed.
Sources: KRS 286.8-255: Registration with department required for mortgage loan originator; renewals; CE; background checks; minimum standards; KRS 286.8-260: Continuing professional education required for persons registered under subtitle.
The federal SAFE Act requires states to license mortgage loan originators. Louisiana implemented it through the Louisiana S.A.F.E. Residential Mortgage Lending Act (Title 6, Chapter 14 of the Louisiana Revised Statutes). Under that law, beginning July 31, 2009, no person may engage in residential mortgage lending activity in the state without an annual license, registration, and a unique identifier unless exempt under the chapter.
Sources: La. R.S. 6:1086: Licensure requirement; La. R.S. 6:1088: Application for licensure; surety bond.
The federal Secure and Fair Enforcement for Mortgage Licensing Act of 2008 (the SAFE Act) requires states to license mortgage loan originators. Maine implements it through Title 9-A, Article 13, the Maine Secure and Fair Enforcement for Mortgage Licensing Act of 2009, which the Bureau of Consumer Credit Protection administers.
Sources: 9-A M.R.S. Article 13: Maine Secure and Fair Enforcement for Mortgage Licensing Act of 2009 (index); 9-A M.R.S. §13-104: State license and registration application and issuance.
The federal SAFE Act sets the national framework requiring mortgage loan originators to be licensed, establishing standards for prelicensing education, testing, background checks, and financial responsibility. Maryland implements it through the Maryland Mortgage Originator Law, Financial Institutions Article Title 11 Subtitle 6, administered by the Office of Financial Regulation, with applications processed through NMLS.
Sources: Md. Code Fin. Inst. §11-606: Prelicensing education; Md. Code Fin. Inst. §11-604: License application and fees.
The federal SAFE Mortgage Licensing Act of 2008 requires all mortgage loan originators to be licensed or registered and to pass a test developed by NMLS. Massachusetts carries out that federal mandate through Chapter 255F of the General Laws and 209 CMR 41.00, under which the Division of Banks licenses loan originators. A 2018 federal law, the Economic Growth, Regulatory Relief, and Consumer Protection Act, later added Temporary Authority provisions that let qualified loan originators work across state lines while completing state requirements.
Sources: Massachusetts Division of Banks: Apply for a Mortgage Loan Originator license; 209 CMR 41.00: The Licensing of Mortgage Loan Originators (full text, Final Amendments effective 1/10/20).
The federal Secure and Fair Enforcement for Mortgage Licensing Act of 2008 (SAFE Act) sets minimum standards requiring states to license mortgage loan originators. Michigan implemented it through the Mortgage Loan Originator Licensing Act 75 of 2009, effective July 31, 2009, which authorizes the Department of Insurance and Financial Services to license, examine, and regulate MLOs doing business in the state.
Sources: Michigan DIFS: Mortgage Loan Originator licensing page; Michigan DIFS: Schedule of Fees — Mortgage Loan Originator (2026).
The federal Secure and Fair Enforcement for Mortgage Licensing (S.A.F.E.) Act requires states to license mortgage loan originators. Minnesota implements it through Minnesota Statutes chapter 58A, which governs individual mortgage originator licensing, and the Minnesota Department of Commerce administers the license through the Nationwide Multistate Licensing System (NMLS).
Sources: Minn. Stat. §58A.03: License and registration required; Minn. Stat. 58A.04: MLO license application and issuance via NMLS.
The federal SAFE Act requires states to license mortgage loan originators. Mississippi carries this out through the Mississippi S.A.F.E. Mortgage Act, Miss. Code Ann. Section 81-18-1 et seq., which charges the Department of Banking and Consumer Finance with the licensing and regulatory supervision of mortgage brokers, mortgage lenders and servicers, and mortgage loan originators operating in the state.
Sources: Mississippi SB 2508 (2025), as sent to Governor: S.A.F.E. Mortgage Act amendments (full text of 81-18-9, -11, -14, -15, etc.); Miss. Admin. Code Title 5 Part 2: DBCF Mortgage S.A.F.E. regulations, last amended 4/23/2026.
The federal SAFE Act of 2008 created the national framework that states use to license mortgage loan originators through the Nationwide Multistate Licensing System & Registry (NMLS). Missouri's implementing law, RSMo sections 443.701 to 443.893, took effect July 31, 2010 and requires a license for anyone originating residential mortgage loans on dwellings located in Missouri.
Sources: RSMo 443.706: Licensure required, exemptions; RSMo 443.711: MLO application form, NMLS, fees.
The federal SAFE Act of 2008 requires states to license and register mortgage loan originators. It created the Nationwide Multistate Licensing System (NMLS), which state regulators use to process applications, track education, and hold background check data. Montana carries out the requirement through the Montana Mortgage Act, Title 32, chapter 9, of the Montana Code Annotated, which directs all mortgage licensing through NMLS.
Sources: MCA 32-9-107: Prelicensing education requirements for mortgage loan originators; ARM 2.59.1752: State-specific prelicensing education.
The Secure and Fair Enforcement for Mortgage Licensing (SAFE) Act of 2008 is the federal law that requires states to license mortgage loan originators. Nebraska carries it out through the Residential Mortgage Licensing Act, Neb. Rev. Stat. 45-701 to 45-754, which the Nebraska Department of Banking and Finance administers and enforces. The federal rules also set minimum standards, such as at least 8 hours of annual continuing education.
Sources: Nebraska Revised Statute § 45-733 (corroborated by 12 CFR § 1008.107 and the NMLS state-specific education requirements page for Nebraska).
The Secure and Fair Enforcement for Licensing Act (SAFE Act) requires states to license mortgage loan originators. It sets a national minimum of 20 hours of pre-licensing education, a national test, and background checks, with NMLS serving as the national licensing system. States may add requirements, and Nevada's 30-hour education total exceeds the SAFE Act minimum by 10 hours, of which 4 hours cover Nevada law.
Sources: NMLS: Nevada state-specific PE and CE requirements for MLOs.
The Secure and Fair Enforcement for Mortgage Licensing (S.A.F.E.) Act requires states to license or register mortgage loan originators. Since August 1, 2009, any individual who, for compensation, takes a residential mortgage loan application or offers or negotiates loan terms must be licensed or registered through the Nationwide Multistate Licensing System (NMLS). New Hampshire enforces this requirement through RSA chapter 397-A, administered by the New Hampshire Banking Department.
Sources: NMLS: New Hampshire State PE and CE Requirements for MLOs; NH Banking Department: Mortgage Bankers, Brokers, Servicers, Originators.
State licensing of mortgage loan originators is required by the Secure and Fair Enforcement for Mortgage Licensing Act of 2008 (SAFE Act), 12 U.S.C. § 1501 et seq., which sets the licensing requirements and standards for individual originators. New Jersey implemented the SAFE Act through the Residential Mortgage Lending Act, enacted May 4, 2009, which the New Jersey Department of Banking and Insurance administers through the Nationwide Multistate Licensing System and Registry (NMLS).
Sources: NJ DOBI: Mortgage Loan Originator license requirements; NJ DOBI: New Jersey-specific requirements for new MLO applicants.
The federal Secure and Fair Enforcement for Mortgage Licensing Act of 2008 (SAFE Act), effective July 30, 2008, requires states to license mortgage loan originators through the Nationwide Multistate Licensing System and Registry (NMLS). New Mexico carries out that mandate through the New Mexico Mortgage Loan Originator Licensing Act, Section 58-21B NMSA 1978, administered by the Financial Institutions Division.
Sources: NMLS: New Mexico state-specific PE and CE requirements for MLOs; New Mexico FID: FAQs (mortgage loan companies and originators).
The federal Secure and Fair Enforcement for Mortgage Licensing Act (SAFE Act) requires states to license mortgage loan originators. New York implements it through Article 12-E of the state Banking Law, which the Department of Financial Services administers. Section 5117 of the SAFE Act also grants temporary authority to qualified originators moving from federal registration or another state's licensure while they complete New York's requirements.
Sources: N.Y. Banking Law § 590: Definitions; registration required; N.Y. Banking Law § 591-a: Application to register as a mortgage broker; fees.
The federal SAFE Mortgage Licensing Act of 2008 requires anyone originating residential mortgage loans to hold a unique identifier and either a state license or a federal registration. North Carolina implements the law through the NC SAFE Mortgage Licensing Act, N.C. Gen. Stat. Chapter 53, Article 19B, effective July 31, 2009, which the North Carolina Office of the Commissioner of Banks administers.
Sources: North Carolina Commissioner of Banks: MLO licensing requirements; NCCOB: NC prelicensing education requirements.
The Secure and Fair Enforcement for Mortgage Licensing Act (SAFE Act) requires every state to license or register mortgage loan originators; under it, any individual who for compensation or gain takes a residential mortgage loan application or offers or negotiates terms must be licensed or registered. North Dakota implements the SAFE Act through Chapter 13-10 of the North Dakota Century Code, which bars originating residential mortgage loans on North Dakota dwellings without a license unless the person is exempt.
Sources: NDCC Chapter 13-10: Mortgage Loan Originators (North Dakota Century Code); N.D. Admin. Code 13-08-01-01: Mortgage Loan Originator Fees.
The federal Secure and Fair Enforcement for Mortgage Licensing Act (SAFE Act) requires states to license mortgage loan originators. Under the act, starting August 1, 2009, any individual who for compensation or gain takes a residential mortgage loan application or offers or negotiates its terms must be licensed or registered; the act provides no exceptions for these activities.
Sources: NMLS: Ohio state-specific PE and CE requirements for MLOs; Ohio Division of Financial Institutions: NMLS resources.
State licensing of mortgage loan originators is required by the federal Secure and Fair Enforcement for Mortgage Licensing (SAFE) Act. Oklahoma implements it through the Oklahoma Secure and Fair Enforcement for Mortgage Licensing Act, Title 59 O.S. §§ 2095 through 2095.26, which the Department of Consumer Credit administers under Oklahoma Administrative Code Title 160, Chapter 55.
Sources: Oklahoma DOCC: Mortgage Loan Originator license page; NMLS: Oklahoma state-specific PE and CE requirements for MLOs.
The SAFE Act is the federal law that requires states to license mortgage loan originators who work for non-bank companies, while employees of federally regulated banks and credit unions register instead. Pennsylvania carries this out through the Pennsylvania Mortgage Licensing Act, 7 Pa.C.S. Chapter 61, administered by the Department of Banking and Securities. A 2019 federal amendment, S.2155 (12 U.S.C. 5117), added Temporary Authority to Operate, which lets qualified originators keep working while completing a new state's requirements.
Sources: 7 Pa.C.S. Chapter 61: Mortgage Loan Industry Licensing and Consumer Protection (Pennsylvania Mortgage Licensing Act); NMLS: Pennsylvania State-Specific Education Requirements (PE and CE) for MLOs.
The federal Secure and Fair Enforcement (SAFE) Mortgage Licensing Act of 2008 requires states to license mortgage loan originators. It directs states to participate in the Nationwide Multistate Licensing System and Registry (NMLS), which states use to process applications. Rhode Island licenses mortgage loan originators through its Department of Business Regulation under this federal framework.
Sources: NMLS: Rhode Island state-specific PE and CE requirements for MLOs; 230-RICR-40-10-2: Lenders, Loan Brokers, Small Loan Lenders, Third-Party Loan Servicers and Mortgage Loan Originators (RI DBR regulation).
The SAFE Act, codified at 12 U.S.C. 5101 et seq., is the federal law that requires states to license and register mortgage loan originators. South Carolina's statutes adopt it: the state requires pre-licensing education, testing, and examinations approved through NMLS pursuant to 12 U.S.C. 5101. A 2018 federal law (S.2155) later added temporary authority for originators moving between a bank and a state-licensed company or between states.
Sources: NMLS: South Carolina (SC - BFI) state-specific PE and CE requirements for MLOs; NMLS: South Carolina (SC - DCA) state-specific PE and CE requirements for MLOs.
The SAFE Mortgage Licensing Act of 2008, a federal law, requires the licensing of mortgage loan originators. Tennessee implements it through the Tennessee Residential Lending, Brokerage and Servicing Act, Tenn. Code Ann. Title 45, Chapter 13, and the Tennessee Department of Financial Institutions issues the licenses. Federal law under 12 U.S.C. § 5104 sets the minimum standards, including at least 20 hours of pre-licensure education and a test score of 75% or better.
Sources: NMLS: Tennessee state-specific PE and CE requirements for MLOs.
Mortgage loan originator licensing stems from the SAFE Act, which Texas implements through Chapter 180 of the Texas Finance Code, known as the Texas SAFE Act. The primary statute sets out who must be licensed and the eligibility standards. The Office of Consumer Credit Commissioner adds its licensing rules at Title 7, Chapter 2, of the Texas Administrative Code.
Sources: Texas OCCC: Residential Mortgage Loan Originators; Texas SML: Mortgage origination FAQs.
The SAFE Act is the federal law that created the licensing framework for mortgage loan originators. It requires employees of non-depository institutions to obtain and annually maintain a state license through NMLS, while employees of federally regulated banks and credit unions register instead. The EGRRCPA amendments, effective November 24, 2019, added a temporary authority to operate while switching between those paths.
Sources: Utah Admin. Code R162-2c-201: Licensing and Registration Procedures (LII mirror); Utah Admin. Code R162-2c-204: License Renewal, Reinstatement, and Reapplication (LII mirror).
The federal SAFE Mortgage Licensing Act of 2008 requires states to license mortgage loan originators. Vermont implements it through Title 8, Chapters 72 and 73, administered by the Department of Financial Regulation, with all applications filed through NMLS.
Sources: 8 V.S.A. 2102: Application for license; application and license fees; 8 V.S.A. 2103: Approval of application and issuance of license.
The Secure and Fair Enforcement for Mortgage Licensing Act (SAFE Act) is the federal law behind state licensing of mortgage loan originators. Virginia carries it out through Chapter 17 of Title 6.2 of the Code of Virginia, which sets the state's licensing conditions, education, testing, and renewal rules and tracks the SAFE Act baseline.
Sources: Va. Code § 6.2-1702. Application for license; form; content; fee; Va. Code § 6.2-1707. Other conditions for mortgage loan originator licensing.
The federal SAFE Act of 2008 is the law behind state licensing of mortgage loan originators. It mandates a national registry, the Nationwide Multistate Licensing System (NMLS), through which states license and the public can verify MLOs at no charge. Washington's Department of Financial Institutions issues Mortgage Loan Originator licenses under this framework. A 2018 federal law, S. 2155, later added temporary authority to originate loans for qualified MLOs changing employment across states.
Sources: Washington DFI: Mortgage Loan Originators Licensing; Washington DFI: MLO Pre-Application Requirements (testing, education).
The federal Secure and Fair Enforcement for Mortgage Licensing Act of 2008 (SAFE Act) requires states to license mortgage loan originators. West Virginia implements it through W. Va. Code chapter 31-17A, administered by the Division of Financial Institutions (DFI), which licenses mortgage lenders, brokers, and loan originators in the state.
Sources: W. Va. Code 31-17A-4: State license application and issuance (SAFE Mortgage Licensing Act); W. Va. Code 31-17A-5: Issuance of license (required findings).
The federal Secure and Fair Enforcement for Mortgage Licensing Act (SAFE Act) requires state licensing of mortgage loan originators, including pre-licensing education, a national test, and background and credit checks. Wisconsin carries this out through Wis. Stat. ch. 224, subch. III, administered by the Wisconsin Department of Financial Institutions (DFI) through the Nationwide Multistate Licensing System & Registry (NMLS).
Sources: Wisconsin DFI: mortgage banking fees; Coverage gaps noted during research.
The federal SAFE Act, codified at 12 U.S.C. 5104 and following, sets the national requirement for state licensing of mortgage loan originators. Wyoming carries this out through its Residential Mortgage Practices Act (Wyoming Statutes 40-23-101 through 40-23-133), enforced by the Wyoming Division of Banking. Under both, any individual who takes a residential mortgage loan application or negotiates loan terms for compensation must hold a state MLO license.
Sources: Wyoming Division of Banking: Mortgage Loan Originators (Residential Mortgage Practices Act); Wyoming Division of Banking: UCCC Mortgage Loan Originators (consumer lending).