Persons Required to Be Licensed<\/p>\n
An individual required to be licensed under the SAFE Act is an individual who is engaged in the \u201cbusiness of a mortgage loan originator\u201d; that is, an individual who acts as a residential mortgage loan originator with respect to financing that is provided in a commercial context and with some degree of habitualness or repetition.<\/p>\n
Mortgage Loan Originator – The SAFE Act defines a mortgage loan originator as an individual who, for compensation or gain or in the expectation of compensation or gain:
\n\u2022 Takes a residential mortgage loan application;
\n\u2022 Assists or offers to assist anyone who attempts to apply for a residential mortgage loan;
\n\u2022 Offers, discusses or negotiates terms of a residential mortgage loan for compensation or gain;
\n\u2022 Represents to the public through advertising of an ability to originate loans.
\n\u2022 Independent contractor processors\/underwriters must register as a loan originator through and obtain a unique identifier from the NMLS-R and obtain and maintain a valid loan originator license from a state.<\/p>\n
Under the SAFE Act, the definition of a mortgage loan originator does not include:
\n\u2022 Any individual who performs purely administrative or clerical tasks on behalf of a licensee.
\n\u2022 A person or entity that only performs real estate brokerage activities and is licensed or registered in accordance with applicable state law, unless the person or entity is compensated by a lender, a mortgage broker or other mortgage loan originator or by any agent of such lender, mortgage broker, or other mortgage loan originator<\/p>\n
\u2022 A person or entity solely involved in extensions of credit relating to timeshare plans.
\n\u2022 A loan processor or underwriter who does not represent to the public through advertising or other means of communicating or providing information (including the use of business cards,
\nstationery, brochures, signs, rate lists, or other promotional items), that he or she can or will perform any of the activities of a mortgage loan originator shall not be required to be a statelicensed mortgage loan originator.
\n\u2022 Someone who is engaged in loan-related activities in connection with a loan that will be secured by the person\u2019s own residence.
\n\u2022 Someone who is offering or negotiating terms of a loan with or on behalf of an immediate family member. (An immediate family member can be a spouse, child, sibling, parent,
\ngrandparent or grandchildren. The term includes stepparents, stepchildren, stepsiblings and adoptive relationships.)
\n\u2022 Someone who is engaging in loan-related activities in their official capacity at a government agency or housing finance agency or non-profit organization.
\n\u2022 Someone who is originating loans within the proper context of an attorney-client relationship if the person is an attorney and is not being compensated by a lender, mortgage broker or loan
\noriginator.
\n\u2022 Someone who is a registered loan originator. (A registered mortgage loan originator is a loan originator who is registered with the NMLS-R and is employed by a depository institution, a
\ndepository institution\u2019s subsidiary.
\n\u2022 A state is not required to impose SAFE Act licensing requirements on any individual loan processor or underwriter who performs only clerical or support duties as an employee of a mortgage lender or mortgage brokerage firm, and who performs those duties at the direction of and subject to the supervision and instruction of an individual who is employed by the same employer and who is licensed in accordance with state licensing of MLOs.<\/p>\n
\uba74\ud5c8\uac00 \ud544\uc694\ud55c \uc0ac\ub78c<\/p>\n
SAFE \ubc95\uc5d0 \ub530\ub77c \uba74\ud5c8\ub97c \ubc1b\uc544\uc57c \ud558\ub294 \uac1c\uc778\uc740 “\ubaa8\uae30\uc9c0 \ub300\ucd9c \uac1c\uc2dc\uc790\uc758 \uc0ac\uc5c5”\uc5d0 \uc885\uc0ac\ud558\ub294 \uac1c\uc778\uc785\ub2c8\ub2e4. \uc989, \uc0c1\uc5c5\uc801 \ub9e5\ub77d\uc5d0\uc11c \uc5b4\ub290 \uc815\ub3c4 \uc2b5\uad00\uc131 \ub610\ub294 \ubc18\ubcf5\uc801\uc73c\ub85c \uc81c\uacf5\ub418\ub294 \uc790\uae08 \uc870\ub2ec\uacfc \uad00\ub828\ud558\uc5ec \uc8fc\uac70 \ubaa8\uae30\uc9c0 \ub300\ucd9c \uac1c\uc2dc\uc790 \uc5ed\ud560\uc744 \ud558\ub294 \uac1c\uc778\uc785\ub2c8\ub2e4.<\/p>\n
\ubaa8\uae30\uc9c0 \ub300\ucd9c \uac1c\uc2dc\uc790 – SAFE \ubc95\uc740 \ubaa8\uae30\uc9c0 \ub300\ucd9c \uac1c\uc2dc\uc790\ub97c \ubcf4\uc0c1 \ub610\ub294 \uc774\ub4dd\uc744 \uc704\ud574 \ub610\ub294 \ubcf4\uc0c1 \ub610\ub294 \uc774\ub4dd\uc744 \uae30\ub300\ud558\ub294 \uac1c\uc778\uc73c\ub85c \uc815\uc758\ud569\ub2c8\ub2e4.
\n\u2022 \uc8fc\uac70 \ubaa8\uae30\uc9c0 \ub300\ucd9c \uc2e0\uccad\uc744 \ubc1b\uc2b5\ub2c8\ub2e4.
\n\u2022 \uc8fc\uac70 \ubaa8\uae30\uc9c0 \ub300\ucd9c\uc744 \uc2e0\uccad\ud558\ub824\ub294 \uc0ac\ub78c\uc744 \ub3d5\uac70\ub098 \ub3d5\uaca0\ub2e4\uace0 \uc81c\uc548\ud569\ub2c8\ub2e4.
\n\u2022 \ubcf4\uc0c1 \ub610\ub294 \uc774\ub4dd\uc744 \uc704\ud55c \uc8fc\uac70 \ubaa8\uae30\uc9c0 \ub300\ucd9c \uc870\uac74\uc744 \uc81c\uc548, \ub17c\uc758 \ub610\ub294 \ud611\uc0c1\ud569\ub2c8\ub2e4.
\n\u2022 \ub300\ucd9c\uc744 \ubc1b\uc744 \uc218 \uc788\ub294 \ub2a5\ub825\uc5d0 \ub300\ud55c \uad11\uace0\ub97c \ud1b5\ud574 \ub300\uc911\uc744 \ub300\ubcc0\ud569\ub2c8\ub2e4.
\n\u2022 \ub3c5\ub9bd \uacc4\uc57d\uc790 \ucc98\ub9ac\uc790\/\uc778\uc218\uc5c5\uc790\ub294 NMLS-R\uc744 \ud1b5\ud574 \ub300\ucd9c \uac1c\uc2dc\uc790\ub85c \ub4f1\ub85d\ud558\uace0 \uace0\uc720 \uc2dd\ubcc4\uc790\ub97c \ud68d\ub4dd\ud574\uc57c \ud558\uba70 \uc8fc\ub85c\ubd80\ud130 \uc720\ud6a8\ud55c \ub300\ucd9c \uac1c\uc2dc\uc790 \uba74\ud5c8\ub97c \ucde8\ub4dd \ubc0f \uc720\uc9c0\ud574\uc57c \ud569\ub2c8\ub2e4.<\/p>\n
SAFE \ubc95\uc5d0 \ub530\ub77c \ubaa8\uae30\uc9c0 \ub300\ucd9c \uac1c\uc2dc\uc790\uc758 \uc815\uc758\uc5d0\ub294 \ub2e4\uc74c\uc774 \ud3ec\ud568\ub418\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4.
\n\u2022 \uba74\ud5c8 \uc18c\uc9c0\uc790\ub97c \ub300\uc2e0\ud558\uc5ec \uc21c\uc804\ud788 \uad00\ub9ac \ub610\ub294 \uc0ac\ubb34 \uc5c5\ubb34\ub97c \uc218\ud589\ud558\ub294 \ubaa8\ub4e0 \uac1c\uc778.
\n\u2022 \ubd80\ub3d9\uc0b0 \uc911\uac1c \ud65c\ub3d9\ub9cc \uc218\ud589\ud558\uace0 \ud574\ub2f9 \uc8fc\ubc95\uc5d0 \ub530\ub77c \uba74\ud5c8 \ub610\ub294 \ub4f1\ub85d\ub41c \uac1c\uc778 \ub610\ub294 \ub2e8\uccb4 , \ubaa8\uae30\uc9c0 \ube0c\ub85c\ucee4 \ub610\ub294 \uae30\ud0c0 \ubaa8\uae30\uc9c0 \ub300\ucd9c \uac1c\uc2dc\uc790<\/p>\n
\u2022 \uc2dc\ubd84\ud560 \uacc4\ud68d\uacfc \uad00\ub828\ub41c \uc2e0\uc6a9 \uc5f0\uc7a5\uc5d0\ub9cc \uc804\uc801\uc73c\ub85c \uad00\ub828\ub41c \uac1c\uc778 \ub610\ub294 \ub2e8\uccb4.
\n\u2022 \uad11\uace0 \ub610\ub294 \uae30\ud0c0 \uc815\ubcf4 \uc804\ub2ec \ub610\ub294 \uc81c\uacf5 \uc218\ub2e8(\uba85\ud568,
\n\ubb38\ubc29\uad6c, \ube0c\ub85c\uc154, \ud45c\uc9c0\ud310, \uc694\uc728 \ubaa9\ub85d \ub610\ub294 \uae30\ud0c0 \ud310\ucd09\ubb3c)\uc774 \uc788\ub294 \uacbd\uc6b0 \ubaa8\uae30\uc9c0 \ub300\ucd9c \uac1c\uc2dc\uc790\uc758 \ud65c\ub3d9\uc744 \uc218\ud589\ud560 \uc218 \uc788\uac70\ub098 \uc218\ud589\ud560 \uc608\uc815\uc778 \uc0ac\ub78c\uc740 \uc8fc\uc815\ubd80 \uba74\ud5c8 \ubaa8\uae30\uc9c0 \ub300\ucd9c \uac1c\uc2dc\uc790\uac00 \ub420 \ud544\uc694\uac00 \uc5c6\uc2b5\ub2c8\ub2e4.
\n\u2022 \ubcf8\uc778\uc758 \uc8fc\uac70\ub97c \ub2f4\ubcf4\ub85c \ud558\ub294 \ub300\ucd9c\uacfc \uad00\ub828\ud558\uc5ec \ub300\ucd9c \uad00\ub828 \ud65c\ub3d9\uc744 \ud558\ub294 \uc0ac\ub78c.
\n\u2022 \uc9c1\uacc4 \uac00\uc871\uacfc \ud568\uaed8 \ub610\ub294 \uc9c1\uacc4 \uac00\uc871\uc744 \ub300\uc2e0\ud558\uc5ec \ub300\ucd9c \uc870\uac74\uc744 \uc81c\uc548\ud558\uac70\ub098 \ud611\uc0c1\ud558\ub294 \uc0ac\ub78c. (\uc9c1\uacc4\uac00\uc871\uc740 \ubc30\uc6b0\uc790, \uc790\ub140, \ud615\uc81c\uc790\ub9e4, \ubd80\ubaa8,
\n\uc870\ubd80\ubaa8 \ub610\ub294 \uc190\uc790. \uc774 \uc6a9\uc5b4\uc5d0\ub294 \uc758\ubd93\ubd80\ubaa8, \uc758\ubd93\uc790\uc2dd, \uc758\ubd93 \ud615\uc81c\uc790\ub9e4 \ubc0f \uc785\uc591 \uad00\uacc4\uac00 \ud3ec\ud568\ub429\ub2c8\ub2e4.)
\n\u2022 \uc815\ubd80 \uae30\uad00, \uc8fc\ud0dd \uae08\uc735 \uae30\uad00 \ub610\ub294 \ube44\uc601\ub9ac \ub2e8\uccb4\uc5d0\uc11c \uacf5\uc2dd \uc790\uaca9\uc73c\ub85c \ub300\ucd9c \uad00\ub828 \ud65c\ub3d9\uc5d0 \ucc38\uc5ec\ud558\ub294 \uc0ac\ub78c.
\n\u2022 \ubcc0\ud638\uc0ac-\uace0\uac1d \uad00\uacc4\uc758 \uc801\uc808\ud55c \ub9e5\ub77d\uc5d0\uc11c \ub300\ucd9c\uc744 \uc2dc\uc791\ud55c \uc0ac\ub78c\uc774 \ubcc0\ud638\uc0ac\uc774\uace0 \ub300\ucd9c \uae30\uad00, \ubaa8\uae30\uc9c0 \ube0c\ub85c\ucee4 \ub610\ub294 \ub300\ucd9c\uc5d0 \uc758\ud574 \ubcf4\uc0c1\uc744 \ubc1b\uc9c0 \uc54a\ub294 \uacbd\uc6b0
\n\ucc3d\uc791\uc790.
\n\u2022 \ub4f1\ub85d\ub41c \ub300\ucd9c \uae30\uad00\uc778 \uc0ac\ub78c. (\ub4f1\ub85d\ub41c \ubaa8\uae30\uc9c0 \ub300\ucd9c \uac1c\uc2dc\uc790\ub294 NMLS-R\uc5d0 \ub4f1\ub85d\ub418\uc5b4 \uc608\uae08 \uae30\uad00\uc5d0 \uace0\uc6a9\ub41c \ub300\ucd9c \uac1c\uc2dc\uc790\uc785\ub2c8\ub2e4.
\n\uc608\ud0c1\uae30\uad00\uc758 \uc790\ud68c\uc0ac.
\n\u2022 \uc8fc\uc5d0\uc11c\ub294 \ubaa8\uae30\uc9c0 \ub300\ucd9c \uae30\uad00 \ub610\ub294 \ubaa8\uae30\uc9c0 \uc911\uac1c \ud68c\uc0ac\uc758 \uc9c1\uc6d0\uc73c\ub85c\uc11c \uc0ac\ubb34 \ub610\ub294 \uc9c0\uc6d0 \uc5c5\ubb34\ub9cc \uc218\ud589\ud558\ub294 \uac1c\uc778 \ub300\ucd9c \ucc98\ub9ac\uc790 \ub610\ub294 \uc778\uc218\uc790\uc5d0\uac8c SAFE Act \ub77c\uc774\uc120\uc2a4 \uc694\uad6c \uc0ac\ud56d\uc744 \ubd80\uacfc\ud560 \ud544\uc694\uac00 \uc5c6\uc2b5\ub2c8\ub2e4. \ub3d9\uc77c\ud55c \uace0\uc6a9\uc8fc\uc5d0 \uc758\ud574 \uace0\uc6a9\ub418\uace0 MLO\uc758 \uc8fc \uba74\ud5c8\uc5d0 \ub530\ub77c \uba74\ud5c8\uac00 \uc788\ub294 \uac1c\uc778\uc758 \uac10\ub3c5 \ubc0f \uc9c0\uc2dc.<\/p>\n","protected":false},"excerpt":{"rendered":"
Persons Required to Be Licensed An individual required to be licensed under the SAFE Act is an individual who is engaged in the \u201cbusiness of a mortgage loan originator\u201d; that is, an individual who acts as a residential mortgage loan originator with respect to financing that is provided in a commercial context and with some […]<\/p>\n","protected":false},"author":5,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"categories":[7],"tags":[],"class_list":["post-2527","post","type-post","status-publish","format-standard","hentry","category-financial-study"],"_links":{"self":[{"href":"https:\/\/usezloan.com\/index.php\/wp-json\/wp\/v2\/posts\/2527","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/usezloan.com\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/usezloan.com\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/usezloan.com\/index.php\/wp-json\/wp\/v2\/users\/5"}],"replies":[{"embeddable":true,"href":"https:\/\/usezloan.com\/index.php\/wp-json\/wp\/v2\/comments?post=2527"}],"version-history":[{"count":2,"href":"https:\/\/usezloan.com\/index.php\/wp-json\/wp\/v2\/posts\/2527\/revisions"}],"predecessor-version":[{"id":2579,"href":"https:\/\/usezloan.com\/index.php\/wp-json\/wp\/v2\/posts\/2527\/revisions\/2579"}],"wp:attachment":[{"href":"https:\/\/usezloan.com\/index.php\/wp-json\/wp\/v2\/media?parent=2527"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/usezloan.com\/index.php\/wp-json\/wp\/v2\/categories?post=2527"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/usezloan.com\/index.php\/wp-json\/wp\/v2\/tags?post=2527"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}