The section of HERA that affects mortgage professionals immediately and most extensively is the Secure and Fair Enforcement for Mortgage Licensing Act (SAFE Act). This professional development online course explains the SAFE Act and its related topics in detail. The purpose of the legislation is addressed, as well as the requirements for mortgage loan originators instituted by the Nationwide Mortgage Licensing System (NMLS). The following requirements are outlined in detail: licensing and registration, background checks, and education and testing. How to create an account within, file with, and gather information for the Nationwide Mortgage Licensing System and Registry is also explained.