Under Ohio mortgage law, which of the following must mortgage loan originators do?

Under Ohio mortgage law, mortgage loan originators are required to attend continuing education courses as part of maintaining their licensure and competency in the field. This requirement ensures that MLOs stay updated on the latest regulations, industry practices, and trends that may affect their work and the consumers they serve. Continuing education helps professionals keep pace with changes in laws, mortgage products, and technologies, which ultimately enhances their ability to provide informed and effective service to clients.

The other choices are not obligatory under Ohio law. While advertising to consumers may be a common practice, it is not mandated. Obtaining insurance policies, such as errors and omissions insurance, can be beneficial but is not specifically required by law for MLOs. Additionally, while MLOs may work independently, it is not a requirement; many operate within organizations or brokerage firms. Therefore, the necessity to participate in continuing education courses stands out as the key requirement for Ohio mortgage loan originators.