Under the S.A.F.E. Act, what is a responsibility that is NOT required of a licensed loan originator?

The responsibility that is not required of a licensed loan originator under the S.A.F.E. Act is making records available to borrowers. This is because while licensed loan originators are obliged to comply with regulations concerning record retention and oversight by state regulators, there isn't a specific requirement that mandates them to provide all records directly to borrowers.

The other responsibilities highlighted are integral to the transparency and accountability of loan originators in their professional conduct. For instance, not withholding or destroying records is crucial for maintaining accurate and complete documentation of transactions, which helps ensure both compliance and the protection of consumer rights. Similarly, permitting interviews by state regulators and making records available to them is essential for allowing oversight and ensuring regulatory adherence within the mortgage industry. This safeguards the integrity of the lending process and promotes consumer trust.