🚨 Master 58 Key Federal Law Questions for SAFE MLO Exam (2025)

Stop missing points on the toughest part of the SAFE MLO Exam (NMLS Test)! This 40+ minute practice session covers the most missed Federal Law questions to ensure you ace your NMLS licensing test on the first try.

*The NMLS (Nationwide Multistate Licensing System) exam* is challenging, but with the right preparation, you can pass on your first attempt.

👉 Start your full MLO study session here: → https://birdsy.ai/mortgage
Birdsy is your personal, AI-assisted study partner—ready to simplify complex regulations, provide real-world examples, and help you study your way.

🎯 Who This Is For
✅ Future mortgage loan originators preparing for the NMLS Exam (SAFE MLO Test)
✅ Students using Birdsy.ai for adaptive, interactive exam prep
✅ Professionals reviewing federal disclosure rules, RESPA, and HOEPA compliance
✅ Anyone struggling to remember trigger terms, tolerance limits, or high-cost loan thresholds

⏱️ Timestamps
00:00 - CRITICAL Federal Law Questions to PASS the MLO Exam
00:16 - RESPA: Top 5 RESPA Exam Questions You'll See
06:55 - RESPA: Which Transactions Are Exempt (A Key Exam Trap)
11:00 - QM Rule: Defining "Points and Fees" (A Must-Know Definition)
16:27 - HOEPA: High-Cost Loan Thresholds & Fee Cap Calculation
20:36 - Tolerance Errors: Zero-Tolerance & Permissible Change Rules
23:15 - HPML & Safe Harbor: Rebuttable Presumption Rules Explained
28:09 - HOEPA Section 32: Prohibited Terms & Required Counseling
31:37 - Non-Traditional Loans: Rules for Interest-Only & Balloon Payments
33:47 - CFPB Enforcement: Recordkeeping & Penalty Questions
37:11 - Dual Compliance: State vs. Federal Law Overlap

This NMLS MLO exam prep video is dedicated to mastering the federal mortgage law section. We review practice questions covering RESPA, TILA, HOEPA, and the key components of the SAFE Act for loan officers preparing for their official NMLS test.

📘 Topics Covered
✓ Federal mortgage disclosure laws (RESPA, TILA, HOEPA, Dodd-Frank)
✓ QM, HPML, and high-cost loan thresholds
✓ Tolerance errors, zero-tolerance costs, and redisclosure rules
✓ Trigger terms and disclosure timing requirements
✓ CFPB and state enforcement responsibilities
✓ Common compliance pitfalls on the NMLS / SAFE MLO Exam

💥 👇 Try Birdsy FREE – Built for MLO Exam Success
🌐 https://birdsy.ai/mortgage

🔗 Helpful Resources
🌐 Birdsy SAFE MLO Exam Prep → https://birdsy.ai/mortgage
🌐 Nationwide Multistate Licensing System (NMLS) → https://mortgage.nationwidelicensingsystem.org
🌐 Consumer Financial Protection Bureau (CFPB) → https://www.consumerfinance.gov

🔔 Like & Subscribe
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💬 Drop your toughest RESPA or TILA question in the comments—we’ll help you solve it!

🧠 About Birdsy
Birdsy is your personal, AI-assisted study partner. Unlike static practice tests, Birdsy adapts to how you learn—through interactive questions, real examples, and memory-boosting tools. Whether you’re studying for your MLO, Real Estate, or Insurance exam, Birdsy helps you study smarter and retain more.
👉 Try it free → https://birdsy.ai/mortgage

⚠️ This video is for educational use only. Licensing requirements and exam content may vary by state or region. Verify all details with your licensing agency or official exam provider. Birdsy cannot guarantee outcomes and assumes no liability for exam performance.

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