What is required of Floyd, who performs clerical tasks such as answering phones?

In the context of Rhode Island mortgage law, individuals who perform clerical tasks, such as answering phones, do not engage in activities that require a license. Specifically, tasks that are purely administrative in nature and do not involve direct negotiation or brokering loans do not necessitate licensure. The activities Floyd performs are considered supportive roles rather than roles that would require oversight by regulatory bodies that govern mortgage practices.

Given this understanding, it is clear that performing clerical tasks does not require Floyd to be licensed as a loan originator or mortgage broker. While other roles in the mortgage industry often mandate specific credentials or training, clerical duties are exempt from these requirements. Hence, the conclusion that Floyd does not need to be licensed accurately reflects the Rhode Island Mortgage Law as it pertains to clerical functions.