The proposed rule changes include: 1) requiring license applications for mortgage loan originators, mortgage brokers, and mortgage lenders to be submitted through the National Mortgage Licensing System and Registry on forms approved by the Registry; 2) requiring statutory fees to be submitted through the Registry; 3) requiring loan originator license applicants to meet national pre-licensure testing requirements; 4) requiring loan originator applicants and licensees to meet national education requirements; 5) requiring fingerprints to be submitted via live scan technology; 6) requiring authorization to obtain credit reports; 7) establishing criteria for evaluating the character, general fitness, and financial responsibility of license applicants; 8) conforming licensure disqualification periods to statutory requirements for persons with criminal events; 9) requiring annual renewal of licenses; and 10) requiring licensees to be re-evaluated upon renewal to ensure they continue to meet initial licensure requirements.