Here are some of the highlights:

1) Require all mortgage company employees ... not just mortgage originators ... to hold individual licenses
2) Define Loan Origination fees as all fees received by mortgage brokers, including yield spread premium
3) Allow Florida's Office of Financial Regulation to use your credit report to determine if you qualify for a Florida mortgage license
4) More than double the fees required to gain and keep a Florida mortgage license current
5) Require Florida mortgage professionals who have already taken Florida's pre-licensing class, passed the licensing test and maintained continuing education credit to start all over again and do it again.