There seems to be a bit of confusion for some students about the NMLS implementing new test questions that pertain to federal regulations that became effective April 1 of this year. Here is the actual verbiage taken directly from the NMLS website. This information applies to everyone no matter who you actually use as your course provider:
Reg Z Notice Added to All SAFE MLO Tests
**PLEASE READ CAREFULLY**
Notice-- Regulation Z: Loan Originator Compensation and Steering
On April 1, 2011, changes to Regulation Z: Loan Originator Compensation and Steering 12 CFR 226 are effective. These changes are not reflected in the test question content at this time. If you receive any questions on your test pertaining to Regulation Z 12 CFR 226 or loan officer compensation referenced in your state statutes or regulations, you should answer the questions based on the statutes and regulations that were in effect on March 31, 2011.
To summarize, the test has not been updated with the latest law regarding compensation and the NMLS expects the test taker to answer based on the laws in effect prior to April 1.
By the way, all ProSchools mortgage coursework has, and always will have, everything you need to know in order to pass the federal exam and obtain your license!