Compliance scope
What this course satisfies—and what it doesn't
A plain statement of where this training fits within a mortgage company's anti-money laundering obligations, so companies can use it accurately.
What this course provides
Ongoing employee training
Federal AML rules require covered mortgage lenders, brokers and originators to provide ongoing training to appropriate personnel. The rules do not mandate a particular vendor, course format, question count or approval body—what they require is that training actually happens, is appropriate to the business, and can be evidenced.
This course provides six structured learning sections and a 21-question assessment with an 80% passing threshold under course version AML-2026.1. Passing the assessment demonstrates awareness-level completion of this course's material.
Dated, per-person completion evidence
Each learner receives a certificate recording their full professional name, the course version completed, their score, the completion and issue dates, a unique registry code, and their personal attestation.
Company workspaces retain per-member training status, attempt history and certificate records, giving an administrator documentation of who was trained, on which course version and when.
A repeatable, versioned record
Attempts and certificates are stored permanently and are not editable after the fact. Scores and certificate text are recorded by the server at grading and issuance time, not supplied by the learner, so the record reflects what actually occurred.
What a company must still provide itself
A written AML program
Every covered company must maintain its own written policies, procedures and internal controls, approved by senior management and tailored to its specific business, products and risks. No course can supply this.
A designated AML compliance officer
The company must designate a qualified individual responsible for the day-to-day operation of its AML program. This is a personnel and governance decision the company must make itself.
Independent testing
AML programs require periodic independent testing by a qualified party outside the program's operation. Training records are one input an independent tester will review, but testing itself is separate.
NMLS continuing education credit
This course is not an NMLS-approved course and confers no SAFE Act continuing education hours. Completing it does not reduce any licensed MLO's NMLS education obligations. FinCEN's training requirement, however, does not require NMLS approval.
A guarantee of compliance
Training one person—or every person—does not by itself make a company compliant. Examiners review the entire program: written policies, officer designation, training, independent testing and customer due diligence procedures. We strongly recommend review by a compliance professional familiar with your state, your investors and your business model.
In one sentence
This course provides the employee training and completion-documentation component of an AML program; the written program, designated officer, independent testing and overall compliance responsibility remain with each company. Review the source materials or begin the course.