Which of the following actions is NOT unlawful for a mortgage loan originator?

Requiring asset verification is a lawful and necessary practice for mortgage loan originators. This action ensures that the lender can assess a borrower's financial situation accurately, which is critical in determining their ability to repay a loan. Asset verification helps establish the borrower’s financial stability and allows the lender to make informed lending decisions.

On the other hand, actions like accepting kickbacks, advertising false loan terms, and failing to disclose loan fees are all violations of both ethical standards and legal regulations in the mortgage industry. These practices can lead to significant penalties and repercussions for mortgage loan originators and can harm consumers by creating an untrustworthy lending environment. The requirement for asset verification is thus a legitimate and essential part of the mortgage lending process, emphasizing the importance of transparency and due diligence in loan origination.