The change in Section R162-2c-201 requires a registering entity to list all business and trade names used. The change in Section R162-2c-203 sets forth certification requirements for instructors of Division-approved courses. The change in Section R162-2c-205 requires a licensee to update the nationwide database as to any change in the licensee's residential address. The change in Section R162-2c-301a requires a lending manager to take corrective action for problems identified through the underwriting process; establishes vicarious liability for an entity whose sponsored licensees engage in unprofessional conduct; and requires a mortgage entity to remit appraisal fees within 30 days of receipt. The change in Section R162-2c-302 specifies that the record retention requirement applies to 1003 loan application forms. The change in Section R162-2c-401 establishes that adjudicative proceedings will be designated as informal or formal when filed and, thereafter, may be converted as provided for in statute.