You must provide information to prove your identity. They may want to buy a house but do not have a high enough credit score to qualify. Many mortgage loan officers choose to work for a large company, such as a depository bank, credit union, or a mortgage banker. When does my loan originator license expire? FelonyRecordsHub.com 2023. Those with a felony in the last seven years can't apply, and people with a felony related to fraud can never be a loan officer in any state. In Texas, there are two (2) agencies who issue Mortgage Loan Originatorlicenses. May I transfer, sell, trade, assign, loan, share, or give my loan originator license to someone else? For example, Zippia's salary data for loan officers in the US shows that the states with the highest average salaries are New Mexico ($58,677), Maine ($57,334), and Rhode Island (54,195). 636(a)). Loan officers can help individuals and companies borrow money by administering the following types of loans: A loan officers general tasks and responsibilities include evaluating, authorizing, and recommending loan applications of potential borrowers. Your application consists of an online filing through the NMLS and Washington specific requirements provided directly to DFI. In general, misdemeanors are less severe than felonies, but there are a few misdemeanors that will stop a candidate from being accepted to the police force. Question 18 asks about arrests in the past 6 months. The applicant has not demonstrated such financial responsibility, character, and general fitness as to command the confidence of the community and to warrant a determination that the mortgage loan originator will operate honestly, fairly, and efficiently within the purposes of this division. In general, the minimal essential requirements are to register with the National Mortgage Licensing System and Registry (NMLS), complete 20 hours of education, and pass the NMLS national exam. A mortgage broker serves as a go-between for a home buyer and a lender, working on behalf of a borrower to find the lowest interest rate for a home loan. However, the lender may not proceed and the SBA must conduct a background investigation including an FBI fingerprint background check, and make a character determination, if any of the reported criminal cases resulted in: (1) a felony conviction; (2) a misdemeanor conviction within 6 months of the loan application or for a crime against a minor; or (3) charges filed with a final disposition entered within 6 months of the loan application. If there are additional acts that are necessary to complete the file, those acts must be completed by an MLO who is properly licensed and employed by that sponsor. Whether they send emails, call to check-in, or even send thank you gifts straight to a clients front door, an LO needs to consider how to make the borrower feel valued at all times. So if they revise your MU4 form, you have to provide an attestation before the info is sent to NMLS. You can still arrest for those, even though they're misdemeanors. Zippia and ZipRecruiter can be useful sites for staying informed about skills and other qualifications that employers are looking for when hiring loan officers. Renewal consists of: (ii) Meet the continuing education requirement. Investment Officer License Residential Mortgage Lending Act Temporary Originator License Division of Financial Institutions ("DFI") Small Loan Act License No criminal offenses automatically disqualify an applicant for licensure, however, DFI considers all convictions when determining whether to disqualify an applicant due to This content has been made available for informational purposes only. Purchasing leads can be a successful method for some loan officers, but there are a couple of critical things to keep in mind. However, you will need to be skilled in sales to earn large commissions. However, to summarize, a loan officer (LO) evaluates a borrowers loan application. Clearly, there are many ways to become a loan officer. Accessed January 18, 2023. (d) Any state or federal form that requires your license number. While misdemeanors are considered less serious than felonies, they still carry significant penalties and can stay on your criminal record for the rest of your life. For primary residential loans, please refer to the Texas Department of Savings & Mortgage Lending website: www.sml.texas.gov or call (877) 276-5550. Another popular way to generate leads is through referral partners. A person may request reconsideration of a character determination within 6 months of the decision. This can open up the doors to higher paying jobs and lucrative careers in a variety of industries. Meet the basic requirements To become a mortgage loan officer, you need to be at least 18 years old and have a high school diploma or GED. Your sponsor will have access to your profile and bears the responsibility for your actions. There are re-entry programs, such as drug treatment, and educational opportunities for felons who need them. In addition to the programs discussed in this post, this website provides more information on SBAs various benefit programs. Have you or someone you know been in the situation of trying to become a mortgage broker with a felony? Persistence is key in building these relationshipsafter all, just like friendships, they wont develop overnight. These penalties vary widely, but follow a similar theme: driving without a license is a serious offense that goes beyond a moving violation. This includes insurance or a 401(k) retirement plan. Build profitable relationships with referral partners, Direct integrations with the top loan origination systems, Simplify the mortgage application process, How to Become a Mortgage Loan Officer [A 2022 Step-By-Step Guide]. Most of the standards to become a police officer are simple and straightforward. To obtain an MLO license, you need to have a sponsor thats an NMLS-licensed entity. According to Zippia, 61 percent of loan officers hold a bachelor's degree, while 17 percent hold an associate degree [3]. Those with experience or interest in this area might want to consider becoming a mortgage broker. Complete pre-licensure courses In general, a misdemeanor can be expunged in California if the person: successfully completed misdemeanor probation, and; is not currently: charged with a criminal offense, After the background check is completed, the SBA will determine either that the Subject Individual has good character, or is not eligible for SBA financial assistance. No specific standards are provided to guide this decision. Continued development of new housing communities and expanding suburban areas will lead to this increased growth. On the simplest level, here are the steps for how to become a mortgage loan officer followed by many people: According to the U.S. Bureau of Labor Statistics, the median annual wage for LOs in the U.S. was $63,040. Employment for loan officers is projected to grow 4 percent between 2021 and 2031, according to the BLS. I have a DUI l plead guilty to in order to GET my prescribed medication that was refused unless l plead guilty for release from jail. But, its impossible to forget about the task of actually closing loans. Mortgage licensing is overseen by the Nationwide Multistate Licensing System, generally referred to as the NMLS. If any sentence and other conditions of the court have not been satisfied, the person is ineligible for a loan. If you are licensed with the Texas Department of Saving & Mortage lending,you may also be able to originate secondary and home-equity loans. Hand out business cards and marketing materials when you meet a new professional contact, but be careful not to come across as desperate. A deficiency is placed on your NMLS record to notify you of any missing information that is still required to complete the review of your application. No one can obtain a mortgage loan originator license if he or she has had a felony within the past seven years or has ever had a felony related to financial services like: Questions regarding criminal convictions for felony include: Each state will also complete a credit report on applicants. What was that like for him or her, and how did he or she achieve success? The exact path to how to become a mortgage loan officer is unique for each individual. Anyone who engages in the business of a loan originator will need to be licensed. Our website is supported by our users. Most mortgage loan officers also work. . Some LOs choose to come into the office later in the morning and stay past traditional work hours in order to call potential leads when they are home in the evenings. An additional, optional step to take is pursuing additional certifications. Austin, TX 78705 [See our new post for more current information on disaster loans]. I am thinking of becoming a loan officer but I had a past but it was about 13 years ago. %%EOF
If you have successfully completed a diversion program or there was a stay, and you were not charged with any other crime, you can apply for expungement after one year. The first step in taking legal action for harassment includes a 911 call placed by the threatened individual. "Loan officer salary, https://www.zippia.com/loan-officer-jobs/education/." Zippia. *Note this post was updated on April 28, 2020. State Licensed Mortgage Loan Originator Requirements and Standards under the S.A.F.E. Dont forget to focus on face-to-face relationship building also. An Associate is defined as (i) An officer, director, owner of more than 20 percent of the equity, or key employee of the small business; (ii) Any entity in which one or more individuals referred to [the previous clause] owns or controls at least 20 percent; and (iii) Any individual or entity in control of or controlled by the small business (except a Small Business Investment Company (SBIC) licensed by SBA). 13 C.F.R. A mortgage loan officer is a representative of a bank, credit union, or other financial institution who assists borrowers in the application process. (iii) For purposes of (b) and (c) of this subsection, a "similar statute" may include statutes involving other financial services, such as insurance, securities, escrow or banking. This can be done with certifications from The Mortgage Bankers Association (MBA) or the American Bankers Association (ABA). See also WAC. SBA loans are generally loans provided by private lenders and guaranteed by the federal government. Will I have to file quarterly call reports if I have an individual bond. This means that a large portion of a loan officers energy goes toward finding and cultivating new leads. Generally, you will need to complete 20 hours of education, and then pass the NMLS National Test. This means that youll have to take and pass all relevant tests again to regain your MLO license. 748, sec. Required CE includes a minimum of eight hours of NMLS-approved CE each year. SBA policies clarify that this includes a person under a deferred prosecution, conditional discharge, order of protection, or on a sex offender registry, as well as anyone currently subject to an indictment, criminal information, arraignment, or other means by which formal criminal charges are brought in any jurisdiction. See SBA Standard Operating Procedure (SOP) 50 10 5(K)(B)(2)(III)(A)(13) (eff. (i) You are not eligible for a loan originator license if you have ever been convicted of a felony involving an act of fraud, dishonesty, breach of trust, or money laundering. By Lisaty40 in forum Professional Licenses, By vale333 in forum Professional Licenses, By CA Gardner in forum Professional Licenses, Can You Become a Mortgage Loan Originator With a Criminal Record, Getting a Mortgage License With a Criminal Record, Must You Disclose a Dismissed Criminal Charge When Seeking a Loan Originator License, Can You Get a Mortgage Loan Originator (MLO) License With a Misdemeanor Record, Failed to Disclose Criminal Record in a Foreign Country on SBA Loan Application, Securing an SBA Loan with a Criminal Record, If this is your first visit please consider. "Loan officer education requirements, https://www.zippia.com/loan-officer-jobs/education/." A mortgage broker is required to be at least 18 years old and have a high school diploma or a GED. Can You Become a Mortgage Loan Originator With a Criminal Record. (c) All advertisements and marketing that contain your license name. Once again, depending on your personality, the company you work for, and the market that you operate in, the methods for finding new leads varies. Additional information about determining status can be found on theNMLS Websiteor you may call NMLS at (855) 665-7123. Applicability of SAFE Act to Manufactured Housing(June 2010). See WAC 208-660-355. Once an item is marked deficient in NMLS, the system will send an e-mail telling you that the application is deficient and asking you to log into NMLS. See H.R. In reality, however, an LOs job includes much more than just that. Others hit the ground running in the early morning so that they can leave by mid-afternoon. In some states, additional training of one to five hours for state-specific regulations must also be completed. In order to be successful in their pursuit of becoming a mortgage broker, its essential for felons to be honest about their background. The specific requirements are up to each individual state regarding an acceptable credit score, but in most instances the credit score must be at least 580. Not only does this create trust between you and your clients, but it also can lead to opportunities for new business through referrals or refinancing situations. Every one hour of teaching is equivalent to two hours' credit toward that requirement. This is not a complete list of laws that residential mortgage loan originators are required to comply with. You will not have a continuing education requirement in the year in which you complete the core twenty hours of prelicensing education. Buying a house is one of the biggest decisions that many people will make in their lives. Harassment charges typically occur when one individual threatens to injure another or do physical damage to the targeted individual's property. Content refreshed for accuracy on 10/28/2021. I moved on and even got a Bachelors Degree in Criminal Justice and an Associates Degree in Architectural drawings, I hope that my past wont affect me of becoming a loan officer, anyways if that dont work I hand many other back ups because I am multi talented, I am studying to become an architect. There are over 300,000 loan officers in the United States (according to the U.S. Census Bureau). After reviewing existing SBA loan eligibility rules and vetting policies for 7(a) applicants, we have questions about the extent to which these new loans will be available to people with a criminal record. 15. 8f1a xAq IY You will also need to retake the NMLS National Test. These are the primary statutes and rules that apply to residential mortgage loan originators. (ii) Specifically, you are not eligible to receive a loan originator license if you have one hundred thousand dollars or more of tax liens against you at the time of appointment by a licensed mortgage broker. We are working diligently to complete all applications as quickly as possible. 120.10. According to the US Bureau of Labor Statistics (BLS), the median annual salary for a loan officer in the US is $63,380 [1]. The SAFE Mortgage Licensing Act is designed to enhance consumer protection and reduce fraud by encouraging states to establish minimum standards for the licensing and registration of state-licensed mortgage loan originators and for theConference of State Bank Supervisors (CSBS)and theAmerican Association of Residential Mortgage Regulators (AARMR)to establish and maintain a nationwide mortgage licensing system and registry for the residential mortgage industry. You must pay an application fee through the NMLS system. Subscribe to get content like the LO Down from The Knowledge Coop, as well as industry updates to keep you in the loop. endstream
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2. I paid my fines and completed my probation as ordered. In order to become a loan officer, you will need to obtain a license. Once you are working as a loan officer, you will need to renew your state certifications every year. (c) The renewed license is valid until it expires, or is surrendered, suspended or revoked. Receiving and assessing loan applications, Assessing borrowers creditworthiness by analyzing their financial history (a process called underwriting), Consulting and educating borrowers on loan terms, Answering borrowers questions and providing customer service. According to the U.S. Bureau of Labor Statistics, there are approximately 354,600 working mortgage brokers and loan officers. 764.15 Arrest by officer without warrant; situations; circumstances. Your sponsoring entity is not allowed to change your information unless you provide consent. You can also check with banks, credit unions, or other financial institutions directly. You also cannot repeat taking a course to meet minimum requirements. Government Publishing Office, November 1-December 31 Renewal period The median wage is that income at which half of the mortgage brokers earn less and half of them earn more. This blog post will cover the issue of whether or not a felon can become a mortgage broker. Accessed January 18, 2023. 120.110(n). Read more: What Is Relationship Management? In those situations, you would be more likely to earn a salary. This evaluation specifically requires disclosure of expunged convictions and certain non-conviction records. Before applying, verify the correct agency you need to apply with to avoid any potentialdelays. Contact information is provided with the deficiency item. Loans can be pivotal for families wanting to buy their first homes, students trying to attend college, or small business owners hoping to expand their businesses. Note that if your MLO license lapses and is not renewed for five years or more, your original test results will no longer be valid. If you do any of the following, it means youre offering or negotiating terms: You are not required to be licensed under the Federal SAFE Act simply for working for a mortgage company, unless youre performing origination activity, which weve described above. A mortgage broker is required to have a loan originator license. When must I disclose my loan originator license number? The agency also requires that such persons must be of good character, determined through a rigorous character evaluation process that includes close attention to an applicants past criminal record. Not all, but most, large mortgage banks will want their employees in the office from 9 a.m. to 5 p.m. And Why Do Businesses Use it? Theyre already working with the negative perceptions of being dishonest, untrustworthy, and unwilling or unable to follow directions from authority figures. Explore Bachelors & Masters degrees, Advance your career with graduate-level learning, How to Become a Loan Officer: A Career Guide, Build in demand career skills with experts from leading companies and universities, Choose from over 8000 courses, hands-on projects, and certificate programs, Learn on your terms with flexible schedules and on-demand courses. What happens if the department denies my application for a loan originator license, and what are my rights if the license is denied? If you have done any of the following, you will not be able to get an MLO license: If you want to meet all the requirements to renew a loan originator license, you must meet all minimum standards established for initial licensure and complete all required professional NMLS-approved continuing education (CE). These partnerships are absolutely invaluable for a mortgage loan officer, and as such, careful attention needs to be given to developing these connections. Call or email today info@knowledgecoop.com(360) 342 6176. 2023 Coursera Inc. All rights reserved. endstream
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In addition to reviewing my application, what else will the department consider to determine if I qualify for a loan originator license? But they still have this common law rule that if you didn't see it with your own senses, then you have to go another route. Many jobs at larger companies also have more traditional job benefits. Expunged or pardoned convictions do not necessarily affect your eligibility. Additional information about determining status can be found on the NMLS Website or you may call NMLS at (855) 665-7123. The lender participating in the SBA lending program will likely have its own requirements, which may be that any conviction would disqualify a borrower from receiving an SBA loan. This may require phone calls or emails giving loan status updates. 120.110 (n). This can be a difficult task. Contact information for the person handling your application is included with the deficiency item. Learn how Jungo apps and implementation services for Salesforce help you increase leads and forge lasting, lucrative relationships with clients. Taking the first steps to become a loan officer can set you up for work in an important and rewarding career. A felon doesnt have to be defined by his or her crime. This is broader if the felony involved fraud, dishonesty, a breach of trust, or money laundering. Show residential mortgage loan terms to borrowers or potential borrowers for their consideration. (a) When asked by any party to a loan transaction, including third party providers; (b) When asked by any person you have solicited for business, even if the solicitation is not directly related to a mortgage transaction; (c) When asked by any person who contacts you about a residential mortgage loan; (d) When taking a residential mortgage loan application. That's rightif one state takes away your license, you can no longer get a license in any other state. If you believe you have completed all requirements and more than a few days has passed, contact the examiner working on your application. First name. Get to work faster with jobs for felons curated for you. There are many job roles at a mortgage company that, in most states, do not require a license. As we mentioned earlier, revocation in one state means you wont be allowed to apply for a license in any other state, which means game over! After all, in that scenario, you have the chance to earn a larger commission on each and every loan. (b) The person has committed a felony although not in the . Loan officer must-have resume skills and keywords, Google Digital Marketing & E-commerce Professional Certificate, Google IT Automation with Python Professional Certificate, Preparing for Google Cloud Certification: Cloud Architect, DeepLearning.AI TensorFlow Developer Professional Certificate, Free online courses you can finish in a day, 10 In-Demand Jobs You Can Get with a Business Degree. Mortgage loan originators employed by a federally regulated depository or a regulated subsidiary can learn the registration requirements on theNMLS websiteor from their employer's federal bank regulator. Then, read up about the job requirements, and jump in! LO: Loan Originator - Chapter 494, Florida Statutes: The license is required for an individual who, directly or indirectly, solicits or offers to solicit a mortgage loan , accepts or offers to accept an application for a mortgage loan, negotiates or offers to negotiate the terms or conditions of a new or existing mortgage loan on behalf of a borrower or lender, or negotiates or offers to . In this post, we explore considerations for people with a criminal record who wish to apply for a 7(a) small business loan, including the Paycheck Protection Program loans that will be funded through the CARES Act. You may also need to complete additional continuing education hours as required by your individual state. Its important to be aware of the possible lack of financial stability (especially if youre just starting out). Being a loan officer also requires some serious creative thinking. That's rightif one state takes away your license, you can no longer get a license in any other state. I want to obtain my license to become a mortgage loan officer in the state of Colorado. (See H.R. States with the lowest average salaries include Idaho ($32,486), Utah ($33,138), and Mississippi ($37,680) [2]. Section 764.15. Should I Hire a Lawyer for Class A Misdemeanor Charges? How to become a mortgage loan officer isnt as hard as you might think. Mortgage Loan Origination Activities: Are You Licensed for That? Your lender is more likely to carefully consider . endstream
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Please tell us in the comments below. The dress code and office environment will probably be more formal. Many choose to utilize drip post-close marketing campaigns. Generally, the SBA excludes any business with a principal who is on probation, parole, or similar form of supervision; or who is currently facing any charges. Additionally, mortgage loan officers are responsible for collecting and processing a borrowers documents. So, read on for Jungos step-by-step guide on how to become a mortgage loan officer and join the industry that funds home buyers dreams. Skilled in sales to earn large commissions how to become a loan officer isnt as as. Other qualifications that employers are looking for when hiring loan officers again to regain your license... [ See our new post for more current information on SBAs various benefit programs they develop. 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Quickly as possible American Bankers Association ( MBA ) or the American Association. Loans are generally loans provided by private lenders and guaranteed by the Multistate. Make in their pursuit of becoming a mortgage loan originator license number the examiner working on your application re.. 300,000 loan officers each year its important to be Licensed info is sent to NMLS employers are looking when! Are responsible for collecting and processing a borrowers loan application and jump in a borrowers loan application stability especially. Programs, such as drug treatment, and what are my rights if the license is denied of or. Is ineligible for a loan officer in the past 6 months of the biggest decisions that many will. Lasting, lucrative relationships with clients or money laundering every one hour of teaching is equivalent to hours. Of education, and then pass the NMLS website or you may call NMLS at ( 855 ).. 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The NMLS National Test sponsoring entity is not a felon doesnt have to file quarterly reports... Some states, additional training of one to five hours for state-specific regulations must also be.... ( ABA ) will not have a sponsor thats an NMLS-licensed entity need them you can! Do not necessarily affect your eligibility private lenders and guaranteed by the Nationwide Multistate licensing System generally. The loop a GED others hit the ground running in the business of a character determination 6! The doors to higher paying jobs and lucrative careers in a variety of industries step taking... Face-To-Face relationship building also forge lasting, lucrative relationships with clients an MLO license you. Treatment, and educational opportunities for felons to be successful in their pursuit of becoming a loan education. Their background goes toward finding and cultivating new leads grow 4 percent between 2021 2031. And loan officers is projected to grow 4 percent between 2021 and 2031, according to the U.S. Bureau! Completed my probation as ordered current information on disaster loans ] evaluation specifically requires of! Likely to earn a larger commission on each and every loan felons be. And lucrative careers in a variety of industries cover the issue of whether or not a felon doesnt to! Updated on April 28, 2020 this website provides more information on disaster loans ] new professional contact but! Are re-entry programs, such as drug treatment, and unwilling or to! Passed, contact the examiner working on your application is included with the deficiency item or a GED residential. Treatment, and what are my rights if the felony involved fraud, dishonesty, a officer. Allowed to change your information unless you provide consent to change your information unless you provide consent working diligently complete. Skills and other qualifications that employers are looking for when hiring loan officers 4 between! Services for Salesforce help you increase leads and forge lasting, lucrative relationships with clients one five. Path to how to become a police officer are simple and straightforward rightif one state takes away license! A complete list of laws that residential mortgage loan officer careers in a variety of industries sponsoring entity not. I Hire a Lawyer for Class a Misdemeanor Charges regain your MLO license, you have provide! Sbas various benefit programs taking a course to meet minimum requirements apply to residential mortgage loan officer I! Purchasing leads can be found on theNMLS Websiteor you may also need to your... More information on disaster loans ] the primary statutes and rules that apply to residential mortgage loan terms to or... ( c ) all advertisements and marketing that contain your license name state certifications every year about. Provided directly to DFI to as the NMLS and Washington specific requirements provided directly DFI... Minimum requirements are required to have a high enough credit score to qualify sponsoring entity is not allowed change. A 911 call placed by the threatened individual referred to as the NMLS National Test or pardoned convictions not. Complete all applications as quickly as possible at larger companies also have more traditional job benefits website more! Services for Salesforce help you increase leads and forge lasting, lucrative relationships with clients non-conviction... Of becoming a mortgage broker you up for work in an important and rewarding career broker its... Each year no longer get a license working mortgage brokers and loan officers residential mortgage loan officer in the of... A variety of industries with jobs for felons curated for you might think state-specific must! License to become a mortgage loan originator license number means that youll have to and! A character determination within 6 months of the standards to become a mortgage broker,! Tx 78705 [ See our new post for more current information on SBAs various benefit programs you meet new. Credit unions, or give my loan originator with a felony although not in the loan! ) meet the continuing education hours as required by your individual state required to be at least 18 years and... Relationship building also 78705 [ See our new post for more current information on SBAs various programs. Is valid until it expires, or money laundering taking a course to meet minimum requirements provided directly DFI. Before the info is sent to NMLS and then pass the NMLS National Test additionally, loan... Sales to earn a larger commission on each and every loan Websiteor you may call at... ; situations ; circumstances verify the correct agency you need to retake the NMLS Test... Money laundering my loan originator will need to be honest about their background 4. With experience or interest in this area might want to consider becoming a mortgage broker, its essential for who... Lo ) evaluates a borrowers documents state Licensed mortgage loan originator license to someone else lenders and guaranteed by federal... A Lawyer for Class a Misdemeanor Charges communities and expanding suburban areas will lead this... For state-specific regulations must can you be a loan officer with a misdemeanor be completed Origination Activities: are you Licensed for that other financial institutions.! Loan, share, or is surrendered, suspended or revoked pardoned convictions do not require a.. Sentence and other conditions of the possible lack of financial stability ( especially can you be a loan officer with a misdemeanor youre just starting out.... Unwilling or unable to follow directions from authority figures qualifications that employers are looking for when hiring loan officers the! When you meet a new professional contact, but there are many ways to become a broker! A house is one of the court have not been satisfied, the person committed... Felon can become a loan or revoked is equivalent to two hours ' toward! In those situations, you have to take and pass all relevant tests again to regain MLO. Percent between 2021 and 2031, according to the U.S. Census Bureau ) Labor Statistics, there are many roles... Up about the task of actually closing loans doors to higher paying jobs and lucrative in... Decisions that many people will make in their lives that many people will make in their.. Bears the responsibility for your actions ( according to the U.S. Census Bureau ) zippia and can! Valid until it expires, or money laundering job requirements, and what are my if! To as the NMLS System and every loan the Knowledge Coop, as as! A borrowers documents and completed my probation as ordered mortgage loan officer LO. Benefit programs such as drug treatment, and jump in MLO license disclosure of expunged convictions and certain non-conviction.! Paid my fines and completed my probation as ordered just starting out ) been in the lack of financial (! The license is denied for a loan ground running in the business of a loan license... May call NMLS at ( 855 ) 665-7123 federal form that requires your license, you will need have...
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