the reference from the current NCAA rule book.

ARTICLE 1. It is a safety when: a. The ball becomes dead out of bounds behind a goal line, except from an incomplete forward pass, or becomes dead in the possession of a player on, above or behind his own goal line, or becomes dead by rule, and the defending team is responsible for the ball being there (A.R. 6-3-1-IV; A.R. 7-2-4-I; A.R. 8-5-1-I-II, IV and VI-X; A.R. 8-7-2-II; and A.R. 9-4-1-VIII). When in question, it is a touchback, not a safety. Exception: It is not a safety if a player between his five-yard line and his goal line: (a) intercepts a pass or fumble; or recovers an opponent’s fumble or backward pass; or catches or recovers a kick; and (b) his original momentum carries him into his own end zone; and FR-88 RULE 8 / SCORING (c) the ball remains behind his goal line and is declared dead in his team’s possession there. This includes a fumble that goes from the end zone into the field of play and out of bounds (Rule 7-2-4-b-1). If conditions (a)-(c) are satisfied above, the ball belongs to this player’s team at the spot where he gained possession. b. An accepted penalty for a foul leaves the ball on or behind the offending team’s goal line (Exception: Rules 3-1-3-g-3 and 8-3-4-a) (A.R. 8-5-1-III and A.R. 10-2-2-VI).

As a high school football official one of my biggest pet peeves is people trying to tell me that we've missed a call, or incorrectly applied a penalty and then proceeding to tell me the NFL or NCAA rule. I usually politely tell them, "that's an NFL rule and it doesn't apply here".  Once in a while, when the person is really annoying me, I just say something snarky like "have you ever even held a rule book?"