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Course Objectives

This course is designed to fulfill Kentucky's 1-hour state-specific continuing education requirement for mortgage loan originators licensed through the Kentucky Department of Financial Institutions (KY-DFI). Participants will strengthen their understanding of Kentucky-specific compliance standards and responsibilities, with emphasis on mortgage lending process duties, advertising requirements, and the limitations on total net income to the originating entity under KRS 286.8-125.

By the end of this course, participants will be able to:

• Explain Kentucky's mortgage regulatory oversight and supervision processes, including examination and investigation triggers and required recordkeeping standards.
• Recognize prohibited acts under Kentucky law and describe the penalties associated with non-compliance.
• Identify Kentucky's requirements for proper advertising — including mandatory employer and NMLS number disclosures — and apply those standards to real-world marketing and social media practices.
• Explain the compliance significance of compensation structures and total loan amount definitions under Kentucky law.
• Apply Kentucky's mortgage lending process duties and operational standards to day-to-day origination activities in a manner that protects consumers and reduces regulatory risk.