If you're preparing for the SAFE Mortgage Loan Originator (MLO) exam, understanding Regulation V, the Fair Credit Reporting Act (FCRA), and FACTA is a must. In this exam breakdown, I walk you through the structure, testable terms, and real exam-style questions you will likely face. Get NMLS exam flashcards for the SAFE MLO test at: 📘 Learn: - How to remember federal regulations like Reg Z, B, X, and V. - Mnemonics and memory tricks that simplify complex legislation. - What Regulation V covers and how it connects to FCRA and FACTA. - Important terms like adverse action, fraud alerts, opt-out rights, and red flag rules. - How FACTA protects against identity theft and what you need to know for test day. Chapters: 00:00 - Exam Breakdown Overview 02:54 - FCRA & Different Regulations 04:49 - Regulation V and FCRA 07:59 - Consumer Rights and Adverse Action 09:55 - Federal Mortgage Regulations Overview 11:20 - How FACTA Fights Identity Theft 13:40 - Credit Reports and Disposal Rule 18:22 - FACTA Recap and Vocabulary 30:01 - Practice Questions and Test Tips 🎓 Study these next! #NMLS