What subject must be taken every year as part of continuing education in California?

Ethics is a critical subject that must be taken every year as part of continuing education for mortgage loan originators in California. This requirement underscores the importance of ethical conduct in the lending industry, ensuring that professionals stay informed about ethical standards, regulatory changes, and best practices that protect consumers.

The annual focus on ethics reinforces the commitment to consumer protection and fosters trust in the mortgage industry. It also helps professionals navigate complex situations they may encounter in their work, ensuring that they act responsibly and transparently.

Other subjects, while important for a well-rounded knowledge base, do not have the same mandatory annual requirement. Mortgage math, business marketing and advertising, and general mortgage knowledge and terminology may be beneficial for professional development, but they are not mandated to be taken every year. This distinction underscores the emphasis that California places on maintaining ethical standards in real estate and mortgage practices.