Regulatory reduction-mortgage loan licensing.

HB 81 exempts individuals from Wyoming's mortgage loan originator licensing requirements if they provide financing for five or fewer residential mortgage loans per year without charging fees (though interest payments are permitted). This directly affects people who assist with a small number of home loans, such as friends, family, or community members helping neighbors, rather than professional lenders. The key provision limits the exemption to no more than five loans annually, excluding compensation for interest earned on those loans. The bill takes effect on July 1, 2025, and modifies existing licensing law (W.S. 40-23-124(c)(vi)).