Welcome to the 2025 1 Hour MO SAFE Continuing Education Course. In this course, we will be talking about a few different topics. The Missouri Division of Finance requires that we talk about the Missouri SAFE Act and specifically discuss the Loan Brokerage Statement & Fee Agreement, advertising and the Missouri SAFE Act violations and penalties, we will cover all this and more in Chapter 1. The Missouri Division of Finance is also concerned with ensuring all mortgage loan originators are aware of the requirements for second mortgages and reverse mortgages, which we will discuss in Chapter 2.