Which of the following would not automatically prevent an application from obtaining a loan originator's license in Utah?

A class B misdemeanor would not automatically prevent an applicant from obtaining a loan originator's license in Utah because, while it is a criminal offense, it does not carry the same weight as more serious legal issues like felonies or significant fraud convictions. Loan originator licensing typically has specific criteria regarding past criminal behavior, and minor misdemeanors might not disqualify someone, especially if a significant amount of time has passed since the offense.

In contrast, a current felony conviction would be a major barrier to licensure, as felonies generally indicate serious legal violations that can severely impact an individual's fitness for roles that require high ethical standards, such as in lending. Similarly, a history of involvement in fraud is likely to raise serious concerns about an applicant's integrity, particularly in the banking and lending industry, and can lead to automatic disqualification. Additionally, a history of financial irresponsibility suggests a pattern of problematic behavior that may disqualify an applicant from being trusted with loan origination responsibilities.

Therefore, while all the listed factors can raise red flags in a loan application process, only a class B misdemeanor does not automatically lead to disqualification under Utah's regulations.