Which of the following is NOT a requirement of the SAFE Act and NMLS?

The requirement to sign a 4506-T form to obtain IRS tax return information is not part of the SAFE Act and NMLS requirements for mortgage loan originators. The SAFE Act primarily focuses on establishing a set of minimum standards for licensing and registration of MLOs to enhance consumer protection and reduce fraud.

Under the SAFE Act, states are encouraged to create regulations that include a comprehensive licensing process, which involves an assessment of the applicant's financial responsibility, character, and fitness. However, obtaining tax return information directly from the IRS, as facilitated by the 4506-T form, is not a mandated aspect of the licensing process established by the SAFE Act.

In contrast, the requirements for fingerprint submissions for background checks and authorizing the NMLS to obtain credit reports are essential measures designed to maintain the integrity of the mortgage origination process. These requirements help to ensure that individuals who are in the business of originating loans have a clean legal background and are financially responsible.