What violation did Harry commit in relation to Rhode Island mortgage law?

Harry committed a violation related to allowing an unlicensed individual to work under his license. In Rhode Island, mortgage laws require all individuals engaging in mortgage brokerage activities to hold a valid license. This regulation is crucial as it helps maintain industry standards and consumer protection. By permitting someone without a license to operate in his stead, Harry not only jeopardizes compliance with state regulations but also exposes consumers to potential abuses and unprofessional conduct from unqualified individuals. The consequences can include penalties, loss of license, and liability for any issues arising from the actions of the unlicensed individual.

In contrast, failing to disclose loan terms, negotiating loans for free, or providing incorrect loan disclosures handle different aspects of mortgage law. While these actions may also involve violations of legal standards or practices, the specific act of permitting an unlicensed individual to work is a more direct infringement of licensing laws designed to ensure that only qualified professionals engage in mortgage activities.