Legal Tools

Transaction Center

REALTOR® Secure Transaction

Realtor® Secure Transaction is your place to discover, access and master the essential tools for a modern, efficient and secure transaction.

Transactions - zipForm® Edition

Transaction management and forms software with all the must-have features, including current statewide contracts, local forms, and more.

Transaction Products zipForm® Edition Service Providers Forms Libraries Transactions, zipForm® Edition Support

Forms Advisor™ & Forms Tutor®

Free advice to help you understand the form you're using with Forms Tutor® and identify which form you need for your transaction with Forms Advisor™

Standard Forms

C.A.R. Standard Forms are developed by the C.A.R. Legal Department which gathers input from real estate professionals and attorneys to create user-friendly, comprehensive, and dependable forms.

C.A.R. Home Inspector Certification Program

C.A.R. now offers a list of Certified Home Inspectors for our REALTORS® members. Participants of this program have completed certain background and education requirements. Click Here to see the program details and a directory of Certified Home Inspectors.

Transaction Tips

Advice, Support and materials to improve your transactions.

Partner Program

Your one-stop-source for exclusive offers, discounts, and free trials.

Leasing & Property Management Resource Center

Everything you need for a successful property management & leasing business

Member Profitability Hub

A collection of educational and technology resources designed to help you achieve profitability and better prepare for your financial present and future.

Mobile Apps

Download the latest C.A.R. mobile apps, including CARmojis & Stickers, C.A.R., Legal Hotline, CA REALTOR® EXPO, and zipForm Mobile.

Legal Q&As and Disclosure Charts

Legal articles, many in question and answer format, are currently available on over 150 subjects in 50-plus categories.

Legal Tools

Quick Guides (1-page articles) and PowerPoint presentations on key legal topics.

Legal Live Webinars

Wish you could catch up on California real estate law without having to read even more documents? Relax and watch a video as C.A.R.’s Legal Live Webinars bring you up-to-date on the hottest topics in real estate law.

Legal Matters Podcast

While you’re driving to your next meeting, would like our attorneys to update you on how to best protect yourself and your clients? Subscribe to our Legal Matters Podcast, and we’ll bring the most critical information right to your device.

Legal Launchpad

Need help on a legal issue? First, pick one of the topics.

Legal Resources

Important industry cases, resources and information

Miscellaneous/Contacts

Current legal developments, C.A.R. legal products and services.

Ombudsman Hotline

If you're a member looking to resolve a minor dispute or communication issue with another REALTOR^®, a C.A.R. ombudsman may be able to help!

Peer-to-Peer Ethics

C.A.R. REALTOR® volunteers are specifically trained and are available to answer questions from other members about the Code of Ethics, and can provide information and limited counseling concerning its proper interpretation.

Transaction Rescue™

Your lifeline to the lending community formerly known as the Finance Helpline and Mortgage Rescue™. Find contacts and answers to all mortgage related questions, and problems that arise in your real estate transaction. Get assistance today!

Lending Resources

Customer Contact Center

Need assistance on Transactions – zipForm Edition, purchasing a course, or other general membership questions? The Customer Contact Center is only a phone call away.

Consumer Mediation

The C.A.R. Real Estate Mediation Center for Consumers has mediators available to assist buyers and sellers (as well as other parties to real estate transactions) in resolving their disputes.

C.A.R. Legal Hotline

Did you know that for zero dollars and zero cents, you can speak with an attorney about your transaction? If you don't believe us, check it out yourself.

Transactions

Time to bring it home. Complete transactions and contracts electronically through zipForm®.

REALTOR® Secure Transaction

Realtor® Secure Transaction is your place to discover, access and master the essential tools for a modern, efficient and secure transaction.

Transactions - zipForm Edition

Transaction management and forms software with all the must-have features, including current statewide contracts, local forms, and more.

Transaction Products Service Providers Forms Libraries Support

Forms Advisor™ & Forms Tutor®

Free advice to help you understand the form you're using with Forms Tutor® and identify which form you need for your transaction with Forms Advisor™

Standard Forms

C.A.R. Standard Forms are developed by the C.A.R. Legal Department which gathers input from real estate professionals and attorneys to create user-friendly, comprehensive, and dependable forms.

Inspector Certification Program

Transaction Tips

Advice, Support and materials to improve your transactions.

Business Tools

We're here to help, people! Business products and tools to empower REALTORS®.

Partner Program

Your one-stop-source for exclusive offers, discounts, and free trials.

Leasing Resource Center

Everything you need for a successful property management & leasing business

Member Profitability Hub

A collection of educational and technology resources designed to help you achieve profitability and better prepare for your financial present and future.

Mobile Apps

Download the latest C.A.R. mobile apps, including CARmojis & Stickers, C.A.R., Legal Hotline, CA REALTOR® EXPO, and zipForm Mobile.

Risk Management

Q: Where do I go to get legal questions answered? A: Easy, look to the right!

Legal Q&As and Disclosure Charts

Legal articles, many in question and answer format, are currently available on over 150 subjects in 50-plus categories.

Legal Tools

Quick Guides (1-page articles) and PowerPoint presentations on key legal topics.

Legal Live Webinars

Legal Matters Podcast

Legal Launchpad

Need help on a legal issue? First, pick one of the topics.

Legal Resources

Important industry cases, resources and information

Miscellaneous/Contacts

Current legal developments, C.A.R. legal products and services.

Realegal®

Helplines

Help, I need backup! Whether it's legal or financial help you need, C.A.R.'s got your back with these resources.

Ombudsman Hotline

If you're a member looking to resolve a minor dispute or communication issue with another REALTOR^®, a C.A.R. ombudsman may be able to help!

Peer-to-Peer Ethics

Transaction Rescue™

Lending Resources

Customer Contact Center

Need assistance on Transactions – zipForm Edition, purchasing a course, or other general membership questions? The Customer Contact Center is only a phone call away.

Consumer Mediation

The C.A.R. Real Estate Mediation Center for Consumers has mediators available to assist buyers and sellers (as well as other parties to real estate transactions) in resolving their disputes.

Legal Hotline

Did you know that for zero dollars and zero cents, you can speak with an attorney about your transaction? If you don't believe us, check it out yourself.

Education

We offer a wide array of real estate educational courses, certifications & designations in various formats.

License Renewal

Easily renew your real estate license with the FREE 45 hour online license renewal package from C.A.R.

Designations / Certifications

Distinguish yourself by learning how to build a business that specializes in niche markets to nearly double your earning potential in various real estate sectors

Course Calendar

Browse our class schedule to find when and where to take real estate courses.

Classes by Topic Online Bundles Risk and Education Management System Annual Education Experience

Pre-License Training

Prepare to earn your real estate license with our online courses

NMLS Approved Education for California Mortgage Licensees

Complete your eight-hour NMLS license renewal requirement through our NMLS-approved provider, OnlineEd

Meetings & Events

Mark your calendars for our yearly meetings and events!

C.A.R. Board of Directors and Committees

The main Business Meetings page includes important links for Directors and Committee Members.

The next regularly scheduled C.A.R. Business Meeting takes place May 1-4, 2023 in Sacramento.

Directors and Committee Members are Pre-Registered; Other Members of C.A.R. may register onsite.

Guests may attend by advance invitation only.
Information: [email protected]

Tentative Program Meeting Registration

NAR Meetings

NAR meeting information and materials.

Outreaches

Learn how to schedule a C.A.R. outreach speaker for your next event and access presentations from previous outreaches.

Virtual Events

View C.A.R's upcoming and past virtual events.

Marketing Tools

You're the brand! Use our marketing tools to tell your story.

For Your Clients

A one-stop shop for tools and and resources to educate consumers about the intricacies of buying and selling a home and how a REALTOR® can help.

Prop 19 Down Payment Resource Directory Infographics One Cool Thing Tax Reform One Sheets Fire Insurance One Sheet

Charts & Graphs

Explore and interact with the latest market statistics.

Housing Market Summary County Market Updates Housing Perspective Market @ A Glance

Digital Tools

Marketing tools from C.A.R.'s consumer advertising campaign

Virtual Photo Op

Knowledge Center

Got knowledge? All the info you need on California’s housing market, economy, and issues impacting the industry.

For Brokers/Managers

This information is designed for Real Estate Brokers and Office Managers to assist you in supporting your real estate business.

Center of California Real Estate

CCRE's mission is to advance industry knowledge and innovation with an emphasis on convening key experts and influence-makers.

Tax Reform FAQ

Frequently Asked Questions about the Tax Cuts and Jobs Act

Multimedia Library

From webinars to videos and podcasts to blogs, C.A.R. keeps you in the know.

Videos Webinars Podcasts

Publications

C.A.R. publishes eight magazine issues and various newsletters throughout the year.

Newsletters California Real Estate Magazine

Market Data

Be trendy -- stay current with our latest market forecasts and data analyses.

Housing Market Forecast

The latest housing market forecast and projection to what lays ahead.

Data & Statistics

View the latest sales and price numbers. Find out where sales will be in upcoming months.

Housing Matters Podcast

Your housing hub for market analysis, economic trends, and housing news.

Real Quick

Watch our C.A.R. economists provide updates on the latest housing market data and happenings... quickly!

Market Minute Write-Up

Get a roundup of weekly economic and market news that matters to real estate and your business.

Interactive Market Stats

Gain insights through interactive dashboards and downloadable content.

Shareable Reports Interactive Dashboards

Speeches & Presentations

Catch up with the latest outreaches and webinars by the Research and Economics team.

Surveys & Reports

C.A.R. conducts survey research with members and consumers on a regular basis to get a better understanding of the housing market and the real estate industry.

MLS / Professional Standards

You’ve gone pro! So here are guidelines about MLS rules and professional standards.

Model MLS Rules/Materials

California Model MLS Rules, Issues Briefing Papers, and other articles and materials related to MLS policy.

Statewide MLS Initiative

C.A.R. Interboard Arbitration

Looking for information on how to file an interboard arbitration complaint? You've come to the right place! Find the rules, timeline and filing documents here.

Code of Ethics Violators

Summaries and photos of California REALTORS® who violated the Code of Ethics and were disciplined with a fine, letter of reprimand, suspension, or expulsion.

NAR Code of Ethics

The most recent edition of the Code of Ethics and Standards of Practice of the National Association of REALTORS®.

Professional Standards Materials

The California Professional Standards Reference Manual, Local Association Forms, NAR materials and other materials related to Code of Ethics enforcement and arbitration.

Resources for Hearings via Zoom Online Training for Professional Standards Volunteers Professional Standards Webinars Professional Standards Ambassador Program Professional Standards Administrator Certification Professional Standards Train the Trainer

Political Advocacy

An industry that works together, thrives together. Participate in legislative advocacy as a C.A.R. member!

Legislation

C.A.R. advocates for REALTOR® issues in Washington D.C., Sacramento and in city and county governments throughout California.

PACs and RAF

CREPAC, LCRC, IMPAC, ALF and the RAF comprise C.A.R.'s political fundraising arm.

REALTOR® Action Fund

Politics and You

Learn how you can make a difference, by getting involved yourself or by passing along valuable information to your clients.

Make a difference

Represent! Join C.A.R. in our community and foundation programs.

Californians for Homeownership

Californians for Homeownership was founded in response to the California Legislature’s call for public interest organizations to fight local anti-housing policies on behalf of the millions of California residents who need access to more affordable housing.

Housing Affordability Fund

Programs and grants to provide direct assistance to address the housing crisis in California.

Make A Donation

Rising Star

The Rising Star Award program is a C.A.R. initiative designed to work with the brokerage community to recognize their up-and-coming agents.

C.A.R. Disaster Relief

C.A.R. stands ready to assist REALTORS® who have been impacted by wildfires through its Disaster Relief Fund and NAR's REALTORS® Relief Foundation.

California Wildfire Resources

Scholarship Foundation

Scholarships for California students planning to pursue a career in real estate.

Education Foundation

Grants for California REALTORS® and residents pursuing real estate education.

Diversity and Inclusion Programs

Find out more information on key diversity and inclusion programs and projects available.

Fair Housing Latino Professionals Network C.A.R. Women's Initiative

Young Professionals Network

New to the industry? YPN is a network to sharpen your skills, heighten your leadership, and connect with fellow REALTORS®.

Member Benefits

Adding REALTOR® next to your name is cool. What comes with that title is even cooler. Check out your benefits.

Guide to Benefits

As a member of C.A.R., you receive more than 100 free and discounted benefits. Find out more about your member benefits here.

NAR Member Discounts C.A.R. Insurance Products

For New Members

As a C.A.R. member you may have questions about your association and the industry. Find the answers here.

Member FAQs Glossary Service Providers

Consumer Ad Campaign

C.A.R.'s annual consumer advertising campaign creates awareness of the REALTOR® brand and demonstrates the many benefits of the consumer-REALTOR® relationship.

Branded Content Series Online Campaign Paid Social Partnerships Podcasts Search Sponsorship and Branding

About Us

This is so us...who we are and what we do.

2023 C.A.R. Officers

Meet the 2023 C.A.R. Leadership Team

C.A.R. Mission Statement

C.A.R. is a statewide trade association dedicated to the advancement of professionalism in real estate.

Annual Report

C.A.R. Impact Report

The CALIFORNIA ASSOCIATION OF REALTORS® is committed to bring you tools and information to help you succeed. Here are some of the innovative tools, services and education C.A.R. provided to help you achieve your professional goals.

Media Center

C.A.R.'s Media Center houses the Association's news releases, media guidelines, and logos.

News Releases

Careers

C.A.R. and its subsidiaries are currently recruiting for the following job opportunities.

Partner With Us

Advertise With Us

Learn about advertising with C.A.R.

Contact Us

Whichever department you are looking to speak with, don't hesitate to reach out! We'd love to hear from you.

Customer Service

Looking for additional assistance? The Customer Contact Center is looking forward to serving you Monday through Friday between the hours of 8:30 a.m. and 4:45 p.m.

Rosters & Directories

Need help finding the right person? Try searching through our various rosters & directories.

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C.A.R. Legal Tools is the place to go to find dynamic and engaging resource tools to help you, your office or your clients better understand how the law impacts your business or your transaction, which is your business. Some of these tools are designed just for you and some designed to be shared with fellow REALTORS® or potential or actual clients. Each month a different topic will be explored/explained via some or all of the following tools:

Title	Date
Buyer-Side Issues in the New Market Slide Deck (2) / Quick Guide (2)	February 2023
Seller-Side Issues in a Slowing Market Slide Deck (2) / Quick Guide (2)	January 2023
Correcting Misconceptions about Buyer Representation Slide Deck / Quick Guide	December 2022
Assignee or Nominee: What is the Difference? Slide Deck / Quick Guide	November 2022
Addendum vs. Amendment Slide Deck / Quick Guide	September 2022
Staging Properties Slide Deck / Quick Guide	August 2022
Investigation Contingency Slide Deck / Quick Guide	July 2022
July 1 Expiration of the State Rent Moratorium and State Preemption Quick Guide	July 2022
The Right Form to Use - By Form Code Quick Guide	June 2022
The Right Form to Use - By Transaction Type Quick Guide	June 2022
The REALTOR® Professional Standards Process Slide / Quick Guide	May 2022
Fair Housing Advertising Rules Slide Deck / Quick Guide	May 2022
CARES Act 30-Day Notice to Vacate When Demanding Rent Quick Guide	April 2022
Entity Signatures Video / Quick Guide	March 2022
Deposit Disputes When There is No Deposit March 2022Quick Guide	March 2022
Practical Steps to Website Accessibility Quick Guide	July 2022 (revised)
Website Accessibility and ADA Compliance Quick Guide	March 2022 (revised)
Senate Bill 9: Residential Lot Splits and 2-Units Video / Slide Deck / Quick Guide	February 2022
Amending the Appraisal Contingency: The Wrong Way and the Right Way Quick Guide	April 2022
New Real Estate Laws Slide Deck / Quick Guide	January 2022
RPA-Related Forms Quick Guide	December 2021 (revised)
Agent Disclosure of Discriminatory Covenants Based on Actual Knowledge Quick Guide	April 2022 (revised)
The Revised Residential Purchase Agreement Slide Deck / Quick Guide	November 2021
Mold Disclosures: Leases and Sales Quick Guide	April 2022 (revised)
End of the California Eviction Moratorium Slide Deck / Quick Guide (2)	September 2022 (revised)
Rent Increases Quick Guide	September 2022 (revised)
Tenant Screening Video / Slide Deck / Quick Guide	August 2021
The COVID-19 Tenant Relief Act of 2020 Quick Guide	June 2021 (revised)
Documenting Rental Property Condition and Handling of Security Deposit Video / Slide Deck / Quick Guide	July 2021
Expanded State Rental Assistance Program for Landlords Quick Guide	June 2021 (revised)
Privacy Policies - What REALTORS Should Look For Quick Guide	May 2021
Protecting Your Data - Tips for AORs and MLSs Quick Guide	May 2021
Wildfire Issues - Defensible Space and Fire Insurance Slide Deck / Quick Guide (2)	May 2021
Non-contingent Offers Slide Deck / Quick Guide	April 2021
SB 91: Tenant Relief Act Extension and State Rental Assistance Program Slide Deck / Quick Guides (2)	March 2021
Tenant Protection Act of 2019 - Part 1 - Statewide Rent Cap Law Quick Guide	February 2021
Home Hardening Disclosure and Advisory Slide Deck / Quick Guide	February 2021
Removal of the Confirmation of Receipt Clause in the Contingency Removal and Notice to Buyer to Perform Forms Quick Guide	January 2021
Escalation Clauses Slide Deck / Quick Guide	January 2021
Real Estate Commission Agreements Quick Guide	December 2020
Proposition 19: Property Tax Increase Limits on Primary Residences Quick Guide	November 2020
Buyer Interest Letters Slide Deck / Quick Guide	October 2020
AB - 3088 - Tenant Relief Act Eviction Guide Quick Guides (2)	September 2020
Fair Housing Laws Slide Deck / Quick Guide	August 2020
Accessory Dwelling Units (ADUs) Slide Deck / Quick Guide	July 2020
Section I (Substituted Disclosures) of the TDS Quick Guide	July 2020 - Special Addition
Cannabis (Marijuana) Issues Slide Deck / Quick Guide (2)	June 2020
Seller Refusing or Limiting Entry Quick Guide	May 2020
Pandemic Unemployment Assistance (PUA) Slide Deck	May 2020 - Special Addition
Property Management and COVID-19 - Eviction Rules and Limitations Slide Deck	April 2020
Property Management and COVID-19 - Essential Services and Entering Units Quick Guide	April 2020
Real Estate Transactions in a Safer at Home Environment Slide Deck / Quick Guides (2)	March 2020
Emotional Support Animals Quick Guide	February 2020
Mediation for the Consumer Quick Guide	February 2020
Post-Closing Buyer/Seller Disputes Quick Guide	February 2020
California Consumer Privacy Act (CCPA) Slide Deck / Quick Guide (2)	January 2020
2020 New Leasing Laws Slide Deck / Quick Guide	November 2019
Tenant Protection Act - AB 1482 Slide Deck / Quick Guides (2)	October 2019
Procuring Cause Disputes Slide Deck / Quick Guide	September 2019
Lease Listings Slide Deck / Quick Guide	August 2019
Probate Listings Quick Guide	July 2019
Commissions After Expiration of Exclusive Listing Video / Slide Deck / Quick Guide	July 2019
Tenant Notices Slide Deck / Quick Guide (2)	June 2019
Liquidated Damages Slide Deck / Quick Guide	May 2019
Buyer Representation Agreements Quick Guide	February 2023 (revised)
Security Deposits Slide Deck / Quick Guide	March 2019
The 20% Qualified Business Income Deduction Quick Guide	February 2019
Tax Cut and Jobs Act, Real Estate Applications Summary Quick Guide	February 2019
Mediation Vs. Arbitration Slide Deck /Quick Guide	February 2019
Negotiation After Inspection Slide Deck / Quick Guide	January 2019
Transfer Disclosure Statement Law - Exemptions Quick Guide	December 2018
Missing Contract-Related Time Periods Slide Deck / Quick Guide	November 2018
Use of an "as is" Clause Quick Guide	October 2018
Rental Property and Foreclosure Quick Guide	October 2018
Fictitious Business Names "DBA"s Quick Guide	October 2018
CA Withholding Tax on Sale of Real Property Quick Guide	October 2018
Agency and Fiduciary Duties Slide Deck / Quick Guide	October 2018
The Eviction Process - Before and After the COVID-19 Protection, Transition and Recovery Periods* Quick Guide	September 2018
Natural Disasters Slide Deck / Quick Guide	September 2018
Real Estate License Application and Renewal Quick Guide	August 2018
Trees and Neighbors Quick Guide	August 2018
Telemarketing and Robo Calls Slide Deck / Quick Guide	August 2018
Record Retention Quick Guide	July 2018
Natural Hazard Disclosure (NHD) Statement Quick Guide	July 2018
Landlords and Proposition 65 Warnings Quick Guide	July 2018
Fire (and Similar Natural Disasters) and Cancellation Rights Quick Guide	July 2018
Carbon Monoxide Detectors Quick Guide	July 2018
Seller Property Questionnaire Quick Guide	July 2018
Limited Service/Open Listings Quick Guide	July 2018
Small Claims Court Video / Slide Deck / Quick Guide	July 2018
Internal Revenue Code § 1031: Tax-Deferred Exchanges Quick Guide	June 2018
Broker Compensation under the RPA Quick Guide	June 2018
Option Contracts Quick Guide	June 2018
Arbitration for the Consumer Quick Guide	June 2018
C.A.R. Forms and Copyright Law Quick Guide	June 2018
Errors and Omissions Insurance Quick Guide	June 2018
Acting Against the Advice of the Broker Video / Slide Deck / Quick Guide	June 2018
Smoke Alarms Quick Guide	May 2018
Contract, General Quick Guide	May 2018
Counter Offer Forms Quick Guide	May 2018
RPA Timelines Quick Guide	September 2022 (revised)
Unlicensed Assistants Quick Guide	May 2018
The Eviction Process Quick Guide	May 2018
Property Management FAQs Quick Guide	May 2018
The Foreign Investment in Real Property Tax Act (FIRPTA) Quick Guide	May 2018
Earning a Commission, C.A.R.'s Residential Listing Agreement (RLA) Quick Guide	May 2018
Contract Creation, C.A.R. Residential Purchase Agreement (RPA) Quick Guide	May 2018
Offer Presentation Slide Deck / Quick Guide	May 2018
Contract Creation, C.A.R. Residential Purchase Agreement (RPA) Quick Guide	May 2018
Property Management FAQs Quick Guide	May 2018
Abandoned Personal Property After Termination of Tenancy Quick Guide	April 2018
Buyer Requests for Repairs Quick Guide	April 2018
Transfer Disclosure Statement Law - Overview Quick Guide	April 2018
Service and (Emotional) Support Animals Slide Deck / Video / Quick Guide	January 2020 (revised)
Privacy and Surveillance Slide Deck / Video / Quick Guide (2)	March 2018
The Revocable Transfer on Death Deed Quick Guide	February 2018
Property Images Slide Deck / Quick Guide	February 2018
The Tax Cuts and Jobs Act Slide Deck / Quick Guide (2)	December 2017
Serving Alcohol at an Open House Slide Deck / Quick Guide (2)	December 2017
Tax Withholding and Reporting for Brokers Slide Deck / Quick Guide	November 2017
Real Estate Licensee's Duty to Inspect Residential Property Quick Guide	October 2017
Contingencies and Contingency Removal Quick Guide	October 2017
How to Rebate a Commission to a Buyer Quick Guide	October 2017
Seller Cancellation of a Purchase Agreement Quick Guide	October 2017
Consumer Recovery Account Quick Guide	October 2017
Disclosure of Death Video / Slide Deck / Quick Guide	October 2017
Agent Visual Inspection and Disclosure Forms Video / Slide Deck / Quick Guide	September 2017
Square Footage, Lot Size, and Boundaries Slide Deck / Quick Guide	August 2017
Team Names Slide Deck / Quick Guide	July 2017
Advertising Videos / Slide Deck / Quick Guide	June 2017
Chain Transactions Videos / Slide Deck	May 2017
Referral Fees Video / Slide Deck / Quick Guides / Flyer	April 2017
Cyber Crime in the Real Estate Industry Video / Slide Deck / Flyer	March 2017
Negotiating Repairs Videos / Slide Deck	February 2017
Water Conserving Plumbing Fixtures Video / Slide Deck / Flyer	January 2017

Legal Launchpad

Professional Standards Materials

Legal Live Webinars

Featured Articles

Transaction Center

Unlicensed Assistants

Just what can an unlicensed assistant do? And what should an unlicensed assistant not do? Read on to find out.

Transaction Center

Lease/Rental Chart

Need help navigating numerous rental forms? This chart can be your compass.

Transaction Center

License Application and Renewal for REALTORS®

This Legal Q&A summarizes the procedure, educational requirements, and forms needed to apply for a DRE license as a salesperson or a broker and for initial and subsequent license renewals. In addition, this Q&A has been updated with a summary of the recent MLO license endorsement for brokers and salespersons doing mortgage loans.

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