Every federal deadline, every state CE rule, every late-renewal window, in one place. Built for mortgage company managers who don't want to find out about a deadline 5 days before it lands.
These apply to every Mortgage Loan Originator nationwide. State-specific deadlines on top of these, unlocked below.
Industry best practice: every MLO should have CE assigned and started by Sep 1. Waiting until November is the #1 cause of missed renewals.
NMLS Renewal Period begins November 1. This is when you can submit renewal requests for licenses expiring December 31.
You're not legally required to complete CE by Nov 30, but state regulators take 1-2 weeks to verify CE completion. If you wait until late December and any state holds up your file, you'll miss renewal.
All MLO licenses expire at midnight on December 31. Anyone not renewed by this date enters the late renewal/reinstatement window and pays additional fees.
If you missed Dec 31, you have a reinstatement window where you can still renew with late fees. Window length and fees vary by state. Most states charge $100-$300 in addition to standard fees.
Most states close the reinstatement window on February 28/29. After this, you must apply as a new licensee, including 20-hour pre-licensing education, the SAFE test, and full background check.
You cannot complete the same CE course in consecutive years. If you took a specific course in 2025, the same course in 2026 won't count. Our partners pre-screen for this automatically.
Including: state-specific CE hours for all 50 states, the renewal checklist, and a printable PDF version you can share with your team.
Search by state. Each card shows total CE hours, state-specific portion, and the most common gotcha for that state.
Click each item as you complete it. Bookmark this page to track progress for your whole team.
200+ partner organizations use Aceable as their CE provider. Roster sync, automatic state-portion fulfillment, real-time completion dashboard. Your compliance team stays in control. Your MLOs stay licensed.