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It describes the test structure of 125 multiple-choice items across major content areas and identifies percentage allocations for federal mortgage laws, general mortgage knowledge, mortgage loan origination activities, ethics, and uniform state content. The outline then breaks down detailed subtopics under key regulations, including RESPA, ECOA, TILA, HOEPA, higher-priced mortgage loans, MLO compensation, and the TRID framework.",{"@graph":69,"@context":126},[70,84,105],{"@type":71,"itemListElement":72},"BreadcrumbList",[73,77,79,82],{"item":74,"name":75,"@type":76,"position":8},"https://docshare.wps.com","Home","ListItem",{"item":78,"name":9,"@type":76,"position":14},"https://docshare.wps.com/document/",{"item":80,"name":20,"@type":76,"position":81},"https://docshare.wps.com/document/exam/",3,{"item":83,"name":65,"@type":76,"position":19},"https://docshare.wps.com/document/safe-mortgage-loan-originator-test-national-content-outline/403387/",{"url":83,"name":65,"@type":85,"image":86,"author":91,"headline":65,"publisher":94,"fileFormat":97,"inLanguage":63,"description":67,"dateModified":98,"datePublished":99,"encodingFormat":97,"isAccessibleForFree":100,"interactionStatistic":101},"DigitalDocument",{"url":87,"@type":88,"width":89,"height":90},"https://docshare.wps.com/thumbnails/safe-mortgage-loan-originator-test-national-content-outline/403387.png","ImageObject",300,407,{"name":92,"@type":93},"dhado","Person",{"url":74,"name":95,"@type":96},"DocShare","Organization","application/pdf","2026-10-22","2026-09-27",true,{"@type":102,"interactionType":103,"userInteractionCount":39},"InteractionCounter",{"@type":104},"ViewAction",{"@type":106,"mainEntity":107},"FAQPage",[108,114,118,122],{"name":109,"@type":110,"acceptedAnswer":111},"How should candidates use this outline during the SAFE MLO exam cycle?","Question",{"text":112,"@type":113},"Candidates should answer questions based on the current statutes, regulations, and rules. They remain responsible for tracking updates even if changes are not reflected on the outline.","Answer",{"name":115,"@type":110,"acceptedAnswer":116},"What is the overall structure of the SAFE MLO test and how many questions are scored?",{"text":117,"@type":113},"The test contains 125 multiple-choice items, including 115 scored questions and 10 unscored questions. 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Candidates should answer test questions based on the current statutes, regulations and rules.  \nCandidates are responsible for keeping abreast of changes made to the applicable statutes, regulations and rules regardless of whether they appear on this outline or the test. The outline is not intended to list every aspect of a topic mentioned. Although the test items are developed from these categories, each topic is not necessarily tested on each examination.  \nSTRUCTURE OF THE SAFE MLO TEST  \nThe test consists of 125 multiple-choice items (115 scored test questions and 10 unscored test questions) that are distributed among the five major content areas listed in the table below. References can be found starting on page 16.  \n\n| Content Area | Percentage of Test |\n| --- | --- |\n| Federal Mortgage-related Laws | 23% |\n| General Mortgage Knowledge | 23% |\n| Mortgage Loan Origination Activities | 25% |\n| Ethics | 16% |\n| Uniform State Content | 13% |\n\nI. Federal Mortgage-related Laws (23%)  \nA. Real Estate Settlement Procedures Act (RESPA), 12 CFR Part 1024 (Regulation X)  \n1. Subtopics  \na. RESPA origins and purpose  \nb. Definition of “mortgage broker”  \nc. Knowledge of the prohibitions, limitations and exemptions set by RESPA  \nd. Types of loans for which RESPA is applicable  \ne. Settlement services  \nf. Required disclosures to the customer for a mortgage loan originator (MLO) who is also a real estate broker  \ng. Required disclosures to the customer for an MLO who is also a mortgage broker  \nh. Bona fide discount points and application during a mortgage loan origination  \ni. Required information from a borrower that must be included on an application (Regulation X)  \nj. Knowledge of third party settlement service providers  \nk. Overview of the foreclosure process  \nl. Initial escrow statements  \nm. Changes that can be made to the HUD-1/Good Faith Estimate  \nn. Issuing a Good Faith Estimate when not all information has been provided  \nB. Equal Credit Opportunity Act (ECOA), 12 CFR Part 1002 (Regulation B)  \n1. Subtopics  \na. Factors that cannot be used to discriminate  \nb. Notifying borrower of action taken  \nc. General permissible acts under the ECOA  \nd. Circumstances when it is acceptable to deny credit/loan  \ne. Components of a “notice of adverse action”  \nf. Definition of “adverse action”  \ng. General provisions of Regulation B  \nh. Exceptions to providing the appraisal report  \ni. “Prohibited factors”  \nj. Required disclosures when an application is denied  \nk. Acceptable terms used to describe marital status  \nl. Adverse action notice, including when multiple applicants/guarantors are on the loan request  \nm. Definition of “elderly”  \nn. “Disparate treatment” scenarios  \no. Requirement for a co-signer  \np. Factors considered when determining creditworthiness  \nq. Types of acceptable income considered in a loan review  \nr. Requests for missing application information  \ns. Adverse action scenarios  \nt. Information required on a loan application  \nu. Adverse action characteristics  \nv. Timeframe for sending an adverse action to an applicant  \nw. Actions an MLO should take when a borrower refuses to provide ethnic, race or gender information  \nC. Truth in Lending Act (TILA), 12 CFR Part 1026 (Regulation Z)  \n1. Subtopics  \na. “Notice of right to rescind”  \nb. Permissible fees and finance charges  \nc. Advertisement requirements  \nd. Knowledge of the core concepts of TILA  \ne. Total points and fees threshold  \nf. Definition of “finance charge”  \ng. Definition of “APR”  \nh. Loans covered by the TILA  \ni. Definition of “business day”  \nj. Permissible APR tolerances  \nk. Definition of “dwelling”  \nl. Definition of “residential mortgage loan”  \nm. Definition of “business day” in a mortgage rescission  \nn. Classifying “seller contributions”  \no. Refinanc","cbCaieBq0vF0uUxz","https://ap.wps.com/l/cbCaieBq0vF0uUxz","pdf",325170,17,"English","# Structure of the SAFE MLO Test\n## Test format and item distribution by content area\n# I. Federal Mortgage-related Laws (23%)\n## RESPA (Regulation X, 12 CFR Part 1024)\n## ECOA (Regulation B, 12 CFR Part 1002)\n## TILA (Regulation Z, 12 CFR Part 1026) and HOEPA\n## Higher-priced mortgage loans (12 CFR 1026.35)\n## MLO compensation (12 CFR 1026.36(d))\n## TILA-RESPA Integrated Disclosure (TRID) - \"Know Before You Owe\"","[{\"question\":\"How should candidates use this outline during the SAFE MLO exam cycle?\",\"answer\":\"Candidates should answer questions based on the current statutes, regulations, and rules. They remain responsible for tracking updates even if changes are not reflected on the outline.\"},{\"question\":\"What is the overall structure of the SAFE MLO test and how many questions are scored?\",\"answer\":\"The test contains 125 multiple-choice items, including 115 scored questions and 10 unscored questions. Items are distributed among five major content areas.\"},{\"question\":\"Which major content areas are covered, and what percentage does each represent?\",\"answer\":\"The outline lists five areas: Federal Mortgage-related Laws (23%), General Mortgage Knowledge (23%), Mortgage Loan Origination Activities (25%), Ethics (16%), and Uniform State Content (13%).\"},{\"question\":\"What topics are included under RESPA, ECOA, and TILA?\",\"answer\":\"Under RESPA the outline covers origins and purpose, definitions, prohibitions/limitations/exemptions, applicable loan types, settlement services, and required disclosures, among other items. Under ECOA it covers prohibited discrimination factors, adverse action and related notices, permissible acts, exceptions, and notice timing. Under TILA it covers rescission rights, finance charges and APR concepts, covered loans, and related definitions and scenarios, including selected HOEPA and high-cost mortgage items.\"}]","SAFE Mortgage Loan Originator Test - National Content Outline | PDF",1790539695,43]