How many hours of continuing education courses must a registered loan originator complete each year?

The correct answer is that a registered loan originator must complete 0 hours of continuing education courses each year. This is because registered loan originators are individuals who are only required to register with the Nationwide Mortgage Licensing System and Registry (NMLS) and are not actively conducting mortgage loan origination activities as licensed individuals. As a result, they do not have the same continuing education requirements that licensed mortgage loan originators must fulfill. In contrast, licensed loan originators are required to complete specific hours of continuing education annually to maintain their licensing status and stay current with industry regulations and practices. This distinction emphasizes the different responsibilities and requirements for registered versus licensed loan originators in the mortgage industry.