Pursuant to the Division’s July 17, 2008 Opinion 08-018, “Opinion on exemption for certain nonprofits from mortgage licensing statutes” (the Opinion), the mortgage licensing requirements applicable to mortgage lenders and brokers do not apply to nonprofit entities incorporated under the laws of the Commonwealth that are tax exempt under Section 501(c)(3) or 501(c)(4) of the Internal Revenue Code and whose mortgage activities are exclusively limited to government programs and the use of public funds. The Opinion further clarified that an employee of a nonprofit agency that was exempt from licensure was not required to obtain an individual MLO license. However, as of July 31, 2009, amendments to M.G.L. c. 255F altered the regulatory scheme to require that any person that meets the definition of a mortgage loan originator must be licensed as such, even if he or she is employed by a nonprofit entity that is exempt from licensure as a mortgage lender or mortgage broker.