Seller Financing in Florida- do you need a license?

[Ramesh Nyberg]

I see a FSBO sign. I knock on the door and say, I'd like to buy your home, but I'm low on cash. Will you do an owner-financing deal? He says YES, and we sit down and work out the terms.
Guess what? According to the Florida Office of Financial Regulation, he has to have a Mortgage Originator's License to do that. Read 'em and weep https://www.flofr.com/sitePage...

What do you guys think of this? I get consumer protection. But what about caveat emptor? I mean, neither he nor I can even solicit or offer the creation of the mortgage. How do we get around this? Stop and say, here's my lawyer's number, call him? 
Your thoughts please