Tag Archives: Arizona Department of Financial Institutions

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Arizona joins states using Uniform Mortgage Test

The Conference of State Bank Supervisors (CSBS) has announced that the Arizona Department of Financial Institutions (the Department) began using the National SAFE Mortgage Loan Originator (MLO) Test with Uniform State Content on July 15, bringing the total number of state agencies that use the test to 47.

The Department regulates non-bank mortgage lending in Arizona, and is responsible for licensing individual MLOs employed by lenders and mortgage brokers who take loan applications or negotiate terms of residential mortgage loans with prospective homeowners.

Twenty state agencies initially adopted the National SAFE MLO test in April 2013.  An additional 26 state agencies adopted the test between July 2013 and January 2015.

The test, which was first made available on April 1, 2013, combines both the national and state testing requirements of the SAFE Act and streamlines the license application process for MLOs seeking licenses in multiple states.  For these adopting states, the new test replaces the separate, state-specific tests.  A license applicant who passes the National SAFE MLO Test with Uniform State Content will not need to take any additional state-specific tests to hold a license within participating states.

Since its release on April 1, 2013, more than 58,000 MLOs have taken the National SAFE MLO test with Uniform State Content.

Alana Hake - color

Hake Joins Gallagher & Kennedy as Associate

Gallagher & Kennedy, P.A., a full service business law firm, announced today that Alana C. Hake has joined the firm as an associate in the Environmental and Natural Resources practice group. She will practice environmental and natural resources law, specializing in environmental remediation work for the mining industry.

Prior to joining Gallagher & Kennedy, Hake was an associate at a Phoenix law firm where she practiced environmental, energy, and regulatory law. She has significant experience analyzing and preparing legal memoranda on environmental, energy and regulatory issues. Hake has also successfully represented clients with regulatory compliance and licensing needs before several state regulatory agencies, including the Arizona Department of Environmental Quality, the Arizona Corporation Commission and the Arizona Department of Financial Institutions.

Hake earned her J.D., summa cum laude, in 2008 from Washington University in St. Louis and her B.S., summa cum laude, in 2005 from The Master’s College. She is a Blackstone Legal Fellow for Alliance Defending Freedom and a volunteer for The Florence Immigrant and Refugee Rights Project.

Alana Hake - color

Hake Joins Gallagher & Kennedy as Associate

Gallagher & Kennedy, P.A., a full service business law firm, announced today that Alana C. Hake has joined the firm as an associate in the Environmental and Natural Resources practice group. She will practice environmental and natural resources law, specializing in environmental remediation work for the mining industry.

Prior to joining Gallagher & Kennedy, Hake was an associate at a Phoenix law firm where she practiced environmental, energy, and regulatory law. She has significant experience analyzing and preparing legal memoranda on environmental, energy and regulatory issues. Hake has also successfully represented clients with regulatory compliance and licensing needs before several state regulatory agencies, including the Arizona Department of Environmental Quality, the Arizona Corporation Commission and the Arizona Department of Financial Institutions.

Hake earned her J.D., summa cum laude, in 2008 from Washington University in St. Louis and her B.S., summa cum laude, in 2005 from The Master’s College. She is a Blackstone Legal Fellow for Alliance Defending Freedom and a volunteer for The Florence Immigrant and Refugee Rights Project.