Welcome to the 2025 1-Hour PA SAFE Continuing Education Course. In this course, we will discuss two critical topics in the mortgage industry: prohibited acts and identity theft. Chapter 1 will delve into the regulatory agency in Pennsylvania’s authority to enforce state law and highlight what is considered a prohibited act in the state. In Chapter 2, we will discuss identity theft and cybersecurity, including taking a look at state-specific laws that apply to the mortgage industry.