2 Hour VT SAFE Review of Vermont Mortgage Law provides a review of the laws that impact mortgage activities in Vermont. In Module 1, students will spend one hour reviewing the Licensed Lenders Act, including definitions and the licensing process, as well as important disclosures required by Vermont law, information on escrow accounts, and funded settlements. In Module 2, students will spend the second hour of the course examining provisions relating to financial privacy, charges permitted under the law, including information on usury, reverse mortgages, and trigger lead solicitations. Other topics discussed in Module 2 include non-discrimination, prohibited practices relating to lending and brokering activity, and provisions under the Consumer Protection Act and the Fair Credit Reporting Act. This course meets the 2-hour Vermont-specific pre-licensing education requirement for loan originators and offers a thorough review of the information and laws that license applicants must understand in order to make, broker, or originate loans in compliance with Vermont law.