The State of New Jersey
NJ Department of Banking and Insurance

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Meet the Commissioner

Governor Chris Christie nominated Mr. Kobylowski to serve as Commissioner of Banking and Insurance on January 30, 2012. Mr. Kobylowski served as Acting Commissioner from February 11, 2012, until his appointment was confirmed by the Senate on December 20, 2012.

Mr. Kobylowski joined the Department of Banking and Insurance as Chief of Staff in February 2010 and took on the additional role of Acting Director of Banking in October 2011.

He served as the Chief Operating Officer for the Department with full responsibility for all legislative, regulatory, operational and administrative matters and also served as the Department’s liaison with other State departments and federal agencies, notably the Federal Reserve and the FDIC.

Kenneth E. Kobylowski
He was instrumental in leading the Department through successful reaccreditations by both the National Association of Insurance Commissioners and the Conference of State Bank Supervisors and is a gubernatorial appointee to the State Employees’ Health Benefits Plan Design Committee and the School Employees’ Health Benefits Plan Design Committee.

Prior to joining the Department, Mr. Kobylowski was in private law practice for 20 years, beginning at Connell, Foley & Geiser in Roseland, New Jersey and then moving to Herrick, Feinstein LLP, first in its New York City office and then in its Newark, New Jersey office.  He represented a wide array of clients, including banks, insurance companies, lenders, developers and public and private entities.  Before practicing law, Mr. Kobylowski began his professional career as a bank analyst at the Federal Reserve Bank of New York.

He is a magna cum laude graduate of Seton Hall University and a cum laude graduate of New York Law School, where he served as Executive Editor of the Journal of International and Comparative Law.

He and his wife, the former Nancy M. Harz, have two children.
Department Mission Statement
The mission of the Department of Banking and Insurance is to regulate the banking, insurance and real estate industries in a professional and timely manner that protects and educates consumers and promotes the growth, financial stability and efficiency of those industries.   New Jersey Department of Banking and Insurance
New Jersey and the Conference of State Bank Supervisors
The New Jersey Department of Banking and Insurance is a member of the Conference of State Bank Supervisors, the nationwide organization of state banking regulators from all 50 states and the U.S. territories.


Conference of State Bank Supervisors
For more than a century, CSBS has given state supervisors a national forum to coordinate supervision of their regulated entities and to develop regulatory policy. CSBS also provides training and professional development to state banking and financial regulators and represents its members before Congress and the federal financial regulatory agencies. The mission of CSBS is to support the leadership role of state banking supervisors in advancing the state banking system and state financial regulation, benefiting the public by ensuring safety and soundness, promoting economic growth and consumer protection, and fostering innovative state regulation and supervision of the financial services industry.
New Jersey and the National Association of Insurance Commissioners
The National Association of Insurance Commissioners (NAIC) is the organization of insurance regulators from the 50 States, the District of Columbia and U.S. territories. The state of New Jersey is part of the U.S. insurance regulatory framework which is a highly coordinated state-based national system designed to protect policyholders and to serve the greater public interest through the effective regulation of the U.S. insurance marketplace.


National Association of Insurance Commissioners
Through the NAIC, U.S. insurance regulators establish national standards and best practices, conduct peer reviews and coordinate their regulatory oversight to better protect the interests of consumers while ensuring a strong, viable insurance marketplace. U.S. insurance regulators also participate in the International Association of Insurance Supervisors (IAIS) along with the NAIC by participating in all its major standard setting initiatives, including working with fellow regulators from around the world to better supervise cross-border insurers, identifying systemic risk in the insurance sector, and creating international best practices.
OPRA is a state law that was enacted to give the public greater access to government records maintained by public agencies in New Jersey.
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New Jersey Department of Banking and Insurance