Garozzo v. Mo. Dep't of Ins., Div. of Fin.
Annotate this CaseIn 2010, the General Assembly enacted the Missouri Secure and Fair Enforcement Mortgage Licensing Act (Missouri SAFE Act), which provides that the director of the Missouri Division of Finance shall not issue a mortgage loan originator license to an applicant who has been convicted of or pleaded guilty to a felony within seven years prior to the date of the application. When Plaintiff subsequently submitted an application for a mortgage loan originator license, the director denied the license pursuant to the Act because Plaintiff had pleaded guilty to a felony in 2006. The circuit court entered a declaratory judgment finding that the Act was unconstitutional as applied to Plaintiff. The Supreme Court reversed, holding that, as applied to Plaintiff, the statute (1) was not an unconstitutional bill of attainder; (2) did not violate the Missouri Constitution's ban on retrospective laws; and (3) did not violate Plaintiff's right to procedural and substantive due process.
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