15-Hr. MN 7/1/2026-6/30/2027 CE Package

Cybercrime is no longer a hypothetical risk in real estate—it affects transactions, client trust, and your bottom line every day. You’ll discover how cybersecurity threats show up in real estate practice and what you can do to protect your business. Then explore how phishing scams, business email compromise, wire fraud, malware, and data breaches can interrupt closings, expose client funds, and create legal and licensing consequences if not handled properly.

The course also connects cybersecurity directly to your professional responsibilities under Minnesota law, especially when handling and safeguarding Personally Identifiable Information (PII). You’ll gain practical strategies you can apply immediately, including better password and device practices, safer data transfer methods, antivirus protection, encryption basics, and risk management tools like cyber liability insurance.

By the end of this 3.75-hour mandatory course, you’ll be better equipped to protect your clients, reduce transaction disruptions, and strengthen your professional credibility in an increasingly digital real estate marketplace.

*Completion of this course will satisfy the 1-Hour Broker Module Requirement.

Course highlights include:

• Cyberfraud prevention strategies
• Why real estate is a target for cybercrime
• Protecting Personally Identifiable Information (PII)
• Anti-virus protection and software
• Password protection and encryption
• Phishing and business email compromise
• Risks and prevention of wire fraud
• Exploring cyber liability insurance
• Network data security
• Overview of federal and state laws
• Technology etiquette and professional communication
• Case studies to explore actual consequences in the industry
• Interactions and activities focusing on real-world scenarios

The principles of Fair Housing within your real estate business are crucial to running a fair and honest business.  The fair treatment of all who are involved in a real estate transaction is established by Federal and state Fair Housing laws.  As part of your real estate continuing education, this course will discuss the protections provided by the Fair Housing Act, other Federal laws pertaining to the fair and equal treatment of protected classes and by state and local laws governing Fair Housing.

This course meets the Minnesota requirement for one-hour of Fair Housing for all renewing real estate licensees. 

Course highlights:

• A history of housing discrimination in the U.S.
• Protected classes under fair housing law
• Red flags of discrimination in real estate and lending
• Activities and scenarios to reinforce key concepts

This course does not meet NAR's two-hour fair housing training requirement.

The business of real estate hinges on the concept of agency, where designated real estate professionals represent the needs of the buyer and/or the seller. This representation assists in sale of real property between a seller and a buyer.

This course will walk you through those rights and responsibilities as a seller’s agent, a buyer’s agent, dual agent, subagent, and facilitator. You will also learn the proper disclosures required for each type of agency.

This course provides licensees with the one hour of require Agency Law needed to renew an active license.

Course highlights:

• Fiduciary duties and ethical responsibilities of a seller's agent
• Fiduciary duties and ethical responsibilities of a buyer's agent
• Disclosure requirements  
• Dual agency  
• Sub-agency
• Facilitators (non-agents)
• Establishing brokerage agency policies  
• Activities and scenarios to reinforce key concepts

From marketing and advertising to client communication and transaction management, Artificial Intelligence (AI) is rapidly becoming part of everyday real estate practice. With these tools come new responsibilities for licensees to ensure accuracy, fairness, and consumer protection. This course provides a clear framework for understanding how AI intersects existing laws, professional duties, and brokerage policies.

Learners will explore how AI tools can both support and endanger real estate practice. Topics include applying fair housing and advertising rules to AI-generated content, maintaining confidentiality and trust in client communications, and evaluating the risks of AI-assisted contracts and workflow automation. The course also highlights emerging fraud threats, such as deepfake impersonation and AI-generated phishing, and equips licensees with a five-step checklist to spot scams and protect clients.

By the end of the course, licensees will be able to confidently integrate AI tools into practice while upholding compliance, safeguarding consumers, and supporting brokerage-level risk management.

Today’s buyers and sellers are working in a market that doesn’t look like it did a few years ago. Prices are up, inventory is tight, and the “usual” path to homeownership doesn’t work for everyone anymore. That’s why options like shared equity programs, down payment assistance, co-buying, owner financing, and alternative loan programs are popping up in real transactions—and the agents who understand them are the ones keeping deals alive.

In this three-hour elective course, you’ll get a clear, practical breakdown of what these pathways are, when they tend to show up, and how to talk about them in a way that helps clients without putting you in the role of a lender or attorney. You’ll also learn smart habits for working with the right pros and guiding creative transactions with confidence.

Course highlights include:

• Strategies for overcoming affordability and limited inventory challenges
• Creative financing options, including shared equity and co-buying models
• Guidance for working with multi-generational and non-traditional buyers
• Step-by-step overview of down payment assistance programs and grants
• Practical application of forgivable loans and alternative funding sources
• Clear boundaries for agent responsibilities and referral best practices
• Tools for structuring and explaining co-ownership agreements
• Communication approaches for aligning multiple buyers in one transaction
• Real-world scenarios illustrating creative deal structuring
• Building and using a trusted network of lenders, attorneys, and housing resources

Chances are good that, if it hasn't happened yet, you will one day work on a transaction involves a property that’s part of a tax-deferred exchange. When this happens, will you be ready to guide your client through the process and ensure they meet the critical deadlines?

With an appropriately formed exchange, an investor can defer paying taxes on the profit from one investment and instead use all of the profits to fund another investment. 

This course helps licensees become more comfortable with guiding clients through a 1031 tax-deferred exchange transaction and ensuring critical deadlines are understood and met.  

Course highlights include:

• Section 1031 tax-deferred exchange definitions
• Starker’s Exchange background and application
• U.S. Internal Revenue Code requirements
• IRS Safe Harbor Guidelines
• Investor taxes advantages
• Setting up an exchange
• Selecting a Qualified Intermediary
• Licensee role in a Section 1031 tax-deferred exchange
• The non-exchanger's role in a Section 1031 transaction
• Reverse exchanges
• Rare exemptions to exchange deadlines

Click a button. Raise a paddle. Buy a house. It's just that easy--and that risky. Auctions offer opportunities and benefits and they don't only take place on the courthouse steps. They also provide the opportunity to lose one's shirt.

In this course, you’ll learn how properties end up at auction and the types of auctions you and your clients may encounter. You’ll explore the benefits and detriments of buying or selling at auction, and you’ll finish with a greater understanding of your auction-related responsibilities when working with buyers, sellers, or on your own behalf as an investor, listing agent, referral source, cooperating agent, or even auctioneer.

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