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August 2012
Acting Commissioner Kobylowski Talks to Senior Citizens at the Brick Township Senior Outreach Services Center

Perth Amboy High School Financial Literacy

  BRICK – New Jersey Department of Banking and Insurance (DOBI) Acting Commissioner Ken Kobylowski today spoke with a group of approximately 45 senior citizens at the Senior Outreach Services Center in Brick about life insurance, long term care insurance and reverse mortgages. He also provided tips to avoid falling victim to fraud. “These seminars provide an opportunity for the Department to provide information to consumers More...

Speaking at the Brick Township Senior Center, Acting Commissioner Ken Kobylowski and Programs Coordinator Pat Schwartz talk with a senior citizen who attended the event.
 
June 2012
Acting Commissioner and Assistant Director Commend Financial Literacy Volunteers
Newark Financial Literacy
 
Newark Financial Literacy
 
Trenton Financial Literacy
Above left, Banking Division Assistant Director for Consumer Finance Patrick Mullen addresses volunteers, students and staff at Park Elementary School in Newark. At right, Mullen poses with volunteers and students. Above right, Acting Commissioner Ken Kobylowski discusses the importance of teaching financial literacy to students.


Department of Banking and Insurance Acting Commissioner Ken Kobylowski visited a Financial Literacy program at Wilson Elementary School in Trenton on May 29 and Banking Division Assistant Director for Consumer Finance Patrick Mullen visited a program at Park Elementary School in Newark on June 6.  At both events, Bank of America employees volunteered to teach students in the program. Acting Commissioner Kobylowski and Mullen commended the volunteers for donating their time. At Wilson Elementary School about 54 volunteers conducted a program for about 400 students and at Park Elementary School about 23 volunteers conducted a program for about 284 students. Both events were done in partnership with Junior Achievement of New Jersey.

Throughout the year representatives from DOBI visit schools to discuss topics such as: saving, budgeting, borrowing and using credit cards. The Department in conjunction with volunteers from the financial community has conducted Financial Literacy programs in schools across the state for the past six years. This year, Department staff visited schools in Bayonne, Brick Township, Highland Park, Marlboro Township, Newark, Perth Amboy, and Toms River.

 
May 2012
Acting Commissioner Kobylowski Tells Students That Making Smart Financial Decisions is the Key to Success


TOMS
RIVER – Department of Banking and Insurance Acting Commissioner Ken Kobylowski today urged a group of high school seniors at Toms River High School North to save their money, be careful with credit cards, maintain a good credit score and be careful what they post on social media. Speaking to a group of nearly 500 seniors as part of the Department’s ongoing financial literacy program, the Acting Commissioner warned the group that some financial choices can not be easily undone.

“The financial decisions you make today will affect the rest of your life,” Acting Commissioner Kobylowski said. “Being smart about your money can be just as important as being book smart.”

Following his presentation, Acting Commissioner Kobylowski answered questions from students and staff about DOBI’s role in government, the necessary steps for home buying, and interest rates. More...

 
Toms River Financial Literacy
Above, Acting Commissioner Ken Kobylowski addresses the students at Toms River High School North. At right (top), following his presentation seniors Tim Weigley, Chris Kyah and Nishan Athwal pose with Acting Commissioner Kobylowski and Melyssa Alonso. At right (below), student journalist Jennie Kirwin interviews Acting Commissioner Kobylowski following his financial literacy presentation.
 
r Financial Literacy
r Financial Literacy
 
Acting Commissioner Kobylowski Visits Marlboro High School to Discuss Financial Literacy
Marlboro High School Financial Literacy
 
Marlboro High School Financial Literacy

MARLBORO – Department of Banking and Insurance Acting Commissioner Ken Kobylowski recently spoke to Marlboro High School juniors and seniors about such things as careful usage of social media, saving and budgeting and prudent credit card spending as part of the Department's Financial Literacy program. The Acting Commissioner told students to save by paying themselves first every month and to leave room in their budget for the unexpected. More...

Pictured above (from left): Acting Commissioner Ken Kobylowski addresses students at Marlboro High School; Principal Shaun Boylon, senior Matthew Herling, Acting Commissioner Kobylowski, Freehold Regional High School District Superintendent Charles Sampson and Social Studies Supervisor Shanna Howell.

 
April 2012
Acting Commissioner Kobylowski Stresses the Importance of Financial Literacy to Perth Amboy High School Students

Perth Amboy High School Financial Literacy

 

PERTH AMBOY – New Jersey Department of Banking and Insurance (DOBI) Acting Commissioner Ken Kobylowski told a group of Perth Amboy High School students that learning about such things as saving money, understanding how credit cards work, and obtaining and maintaining credit is every bit as important as the lessons they are learning in their classrooms. More...

Speaking at Perth Amboy High School, Acting Commissioner Ken Kobylowski (above) emphasized the importance of financial literacy and money management.

 
Acting Commissioner Kobylowski Visits Capital One/ Junior Achievement Finance Park

NEWARK New Jersey Department of Banking and Insurance Acting Commissioner Ken Kobylowski visited the Capital One/ Junior Achievement (JA) Finance Park and urged students from Passaic County Technical Institute who were participating in the financial literacy program to take very seriously the lessons they were learning about financial responsibility and managing their money.  

Finance Park is the culmination of a four week financial literacy program taught at high schools across the state. On the final day of the course, students visit the Capital One/JA Finance Park hosted at the Verizon Building in Newark, where volunteers assist them in making simulated financial life decisions.

Students take on fictional jobs with incomes and debit cards and then embark on setting budgets that allow them to budget based upon the income they make. They visit various kiosks in the park that represent typical daily living expenses such as electric bills, groceries, housing costs, transportation, health care, home improvement, clothing, entertainment, emergency costs and other expenses.

More...

Capital One/JA Finance Park 2012
 
Capital One/JA Finance Park 2012
Capital One/JA Finance Park 2012 Capital One/JA Finance Park 2012


Top, from left to right, Junior Achievement of New Jersey President Catherine Milone, Assistant Division Director of DOBI's Office of Consumer Finance Patrick Mullen, student Forhad Mukith, student Osirianys Esquea, Acting Commissioner Ken Kobylowski, student Shana Deno, student Ormary Rojas, DOBI's Event and Education Coordinator Alaina Arce, and Allstate New Jersey Insurance Company Legislative and Regulatory Counsel Georgia Flamporis. Above left, Patrick Mullen offers the students tips on how to manage money wisely. Above right, Acting Commissioner Kobylowski observes volunteers and students from Passaic County Technical Institute as they make their way through Capital One/JA Finance Park in Newark. At left, Acting Commissioner Ken Kobylowski addresses a group of students about the importance of financial literacy, money management and the day’s scheduled activities.

 
March 2012
Junior Achievement of New Jersey and DOBI Bring Financial Literacy Program to 1,000 Newark Students
Latino Professional Junior Achievement Community Day

NEWARK – New Jersey Department of Banking and Insurance (DOBI) joined Junior Achievement (JA) of New Jersey staff and 120 volunteers recently in presenting financial literacy classes to more than 1,000 students at First Avenue Elementary School.

The volunteers taught students in 46 classrooms such things as how to establish and preserve good credit, set up a budget, open checking and savings accounts and guard against identity theft as part of the Latino Professional Junior Achievement Community Day.

 
Above, volunteers gather at First Avenue Elementary School in Newark for Latino Professional Junior Achievement Community Day. At right, First Avenue students David Guncay, left, and Veenaatarah Ahruran, right, share a smile with Nancy Graves, DOBI Assistant Division Director for Depositories. Orlando Perez, (far left), Assistant Vice President, Financial Intelligence Unit, Citigroup and Alaina Arce (far right), Events and Education Coordinator for the New Jersey Department of Banking and Insurance, two of the more than 120 volunteers who taught classes, with the eight grade students they taught. Photos courtesty of JA of New Jersey
 
More...

 

 
 
Latino Professional Junior Achievement Community Day
Latino Professional Junior Achievement Community Day
 
Acting Commissioner Kobylowski Celebrates Read Across America Day

SHREWSBURY Department of Banking and Insurance Acting Commissioner Ken Kobylowski recently read Dr. Seuss’ I Can Read With My Eyes ShutandGreat Day For Up!to the second grade class at Shrewsbury Borough School as part of Read Across America Day.

Read Across America, started in 1998, is a nationwide reading celebration that schools hold annually on or near March 2, the birthday of Theodor Geisel, better known as Dr. Seuss. 

Across the country, teachers and community leaders engage in a wide variety of activities to emphasize the importance of reading to young students. Read Across America is also sponsored and spearheaded by support from more than 50 national nonprofit and association partners. More...

 
Acting Commissioner Ken Kobylowski reads at Shrewsbury Borough School
Acting Commissioner Ken Kobylowski reads to the second grade class at Shrewsbury Borough School.
 
February 2012
DOBI Official Helps Salute High School Heroes

SEWELL Patrick Mullen, the Assistant Division Director for DOBI’s Office of Consumer Finance, spoke with Washington Township High School students involved in the Junior Achievement of New Jersey (JANJ) High School Heroes program February 24 at Wedgewood Elementary School. JANJ High School Heroes’ program gives high school students the opportunity to volunteer at a local elementary school in New Jersey and educate younger students about the importance of financial literacy.

The Department of Banking and Insurance visits schools throughout the year to teach students about how to manage money, how to save and how to maintain good credit.

  Patrick Mullen, the Assistant Division Director for DOBI’s Office of Consumer Finance  
Junior Achievement of New Jersey High School Heroes program at Wedgewood Elementary School

Above: Patrick Mullen, the Assistant Division Director for DOBI’s Office of Consumer Finance, poses with PTO Coordinator Lisa Vandell, DOBI’s Event and Education Coordinator Alaina Arce, Principal of Wedgewood Elementary School Michael Landin, Co-Managing Partner at Oberman|Panto Wealth Strategies Anthony Panto, and Coordinating Teacher for the High School Heroes Program Pat Chiaro. At left: Patrick Mullen talks to Washington Township High School students about the necessary building blocks for a strong financial foundation.

 
DOBI Official Stresses Importance of Financial Literacy to Students

Highland Park High School Financial Literacy Presentation

 
Patrick Mullen, Assistant Division Director of the Office of Consumer Finance
At left, from left, DECA advisers Traci Wilson and Angie Harper pose with Highland Park High School sophomore Oscar Lee, Provident Bank Representative Charlotte Puerari, and Patrick Mullen, Assistant Division Director of the Office of Consumer Finance at DOBI. Above, Mullen instructs students to to create and manage their own personal budgets.  


The New Jersey Department of Banking and Insurance stressed the importance of financial literacy and dispensed advice on money management during a presentation February 23 at Highland Park High School. DOBI’s Patrick J. Mullen, Assistant Division Director of the Office of Consumer Finance, spoke to students about how to establish and preserve good credit, set up a budget, open checking and savings accounts and guard against identity theft.

Members of Provident Bank were also on hand at the event, supporting the financial literacy initiative and answering questions from students.

Since 2006, DOBI and its partners have reached thousands of public high school students from all 21 counties with these programs. More...

 
Commissioner Considine Presents Financial Literacy Program at Marist High School

Commissioner Tom Considine gave a financial literacy presentation to a group of 150 seniors at Marist High School on Thursday, February 2. The Commissioner provided tips and advice about budgeting, saving and
financial planning. He spoke about the importance of achieving and maintaining a high credit score and how to avoid scams. He took questions from students about a variety of topics, including college loans and the use of credit cards. Following the presentation Considine toured the Bayonne high school, his alma mater, along with the principal and president of the school. More...


At right, Commissioner Tom Considine speaks at his alma mater, Marist High School in Bayonne.

  Commissioner Tom Considine visits his alma mater, Marist High School
 
 
 
 
January 2012
Lieutenant Governor Guadagno and Commissioner Considine Welcome Farmers Insurance Group

CHERRY HILL Lieutenant Governor Kim Guadagno and New Jersey Department of Banking and Insurance (DOBI) Commissioner Tom Considine recently welcomed Farmers Insurance Group to New Jersey. Guadagno and Considine visited Farmers' AgencyPoint®, a 28,000 square foot facility in Cherry Hill, where the property and casualty insurer is hiring and training agents. Citing the Christie Administration’s pro-business policies as a primary motivating factor, Farmers executives told Guadagno that the insurer has decided to expand into New Jersey. Between the two AgencyPoint® facilities located in New Jersey, where Farmers now employs approximately 50, the company plans to recruit and train about 150-200 agents annually for the next four or five years. More...

  Lieutenant Governor Guadagno and Commissioner Considine Welcome Farmers Insurance Group
 
Above, from left to right: Dan J. Schrock, Vice President of AgencyPoint®, Farmers Insurance Group, Inc., Banking and Insurance Commissioner Tom Considine and Dennis E. Lusk, Director of AgencyPoint® South Jersey, Farmers Insurance Group, listen as Lieutenant Governor Kim Guadagno, center, welcomes Farmers Insurance Group to New Jersey.

At left, from left, Lieutenant Governor Kim Guadagno and Commissioner Tom Considine are joined by Dennis E. Lusk, Director of AgencyPoint® South Jersey and Dan J. Schrock, Vice President of AgencyPoint®, Farmers Insurance Group, Inc., on a tour of Farmers' AgencyPoint® facility in Cherry Hill.

Lt. Governor Kim Guadagno and DOBI Commissioner Tom Considine welcome Farmers Insurance Group to New Jersey  
 
December 2011
Commissioner Considine and DOBI Volunteer at The FoodBank of Monmouth & Ocean Counties

Commissioner Considine and DOBI Volunteer at The FoodBank of Monmouth & Ocean Counties

  Commissioner Tom Considine (back row, 4th from left) and fellow representatives from the Department of Banking and Insurance volunteered at the FoodBank of Monmouth and Ocean Counties in Neptune. The group of 11 volunteers unpacked and sorted donations for distribution to local area food banks. The FoodBank of Monmouth and Ocean Counties began in 1984. It now serves more than 260 pantries, soup kitchens and other feeding programs with almost seven million pounds of food distributed annually. More...
 
DOBI Participates in Coat Drive, Gifts for Kids

As part of the State’s Annual Holiday Coat and Toy Drives for individuals and families in need, Department of Banking and Insurance employees donated 65 coats and more than 35 toys to the non-profit agency Homeless to Independence of Union Beach this Holiday season.

Coat/Toy Drive 2011  

Coat/Toy Drive 2011

  Pictured at far left is DOBI Commissioner Tom Considine with Anne Martin-Frey, Executive Director of Homeless to Independence, and Acting Insurance Director Peter Hartt with Martin–Frey.
 
Financial Literacy - Matawan
  Commissioner Presents Financial Literacy Program
Commissioner Tom Considine presented a financial literacy program at Matawan Regional High School on December 7. The financial literacy course included topics such as how to establish and preserve good credit, set up a budget, open checking and savings accounts and guard against identity theft. Over the past six years, the Department and the banking community have brought programs on Financial Literacy to thousands of high school students across the state. Financial Literacy is also now included in the State’s Core Curriculum Requirements.
Financial Literacy - Matawan
 

Above left, Commissioner Tom Considine poses with Matawan Aberdeen Regional Superintendent of Schools David Healy (left) and Matawan Aberdeen Regional School District Board of Education President Charles Kenny (right) at a question and answer session with students following his financial literacy presentation.

From left to right: Matawan Aberdeen Regional Superintendent of Schools David Healy, Matawan Regional High School Principal Michele Ruscavage, Commissioner Tom Considine, Business Academy student Matt Boyne, and Matawan Aberdeen Regional School District Board of Education President Charles Kenny pose in the school’s media center. Commissioner Considine met with students from the Matawan Regional High School Business Academy following his financial literacy presentation. He answered questions and spoke with students one-on-one.

 
November 2011
Bank Horizons 2011
  Bank Horizons 2011

Commissioner Considine updated banking executives and professionals about accomplishments at the Department, the state of the economy and the impact of the Dodd-Frank Wall Street Reform and Consumer Protection Act at Bank Horizons on Nov. 11, in Atlantic City.

The event, hosted by the New Jersey Bankers Association in partnership with the Warren Group, is New Jersey’s largest banking industry show. Following his presentation, the Commissioner took questions from the audience.
 
Bank Horizons 2011
At left, Commissioner Considine and Chief of Staff Ken Kobylowski
(Photos by Donald Christensen, Christensen Tamburri Communications, LLC)
Commissioner Tom Considine
 
September 2011
Commissioner Discusses Financial Literacy with Young Adults
Commissioner Considine spoke to a group of students about the importance of financial literacy at Franklin High School in Somerset, New Jersey on Sept. 27. The event was sponsored by Junior Achievement. The Commissioner discussed the importance of a good credit score, how to manage a budget and the affect financial decisions have on people’s future. He then took questions from students on both financial literacy and other related banking and insurance topics.

October was Financial Literacy Month. Students in New Jersey were taught skills and strategies that promote personal and financial responsibility related to financial planning, savings, investment, and charitable giving in the global economy.
  Commissioner Tom Considine
     
Franklin High School  
Above and at left, Commissioner Tom Considine at Franklin High School in Somerset
 
June 2011
Commissioner Gives Keynote Address at New Jersey Bankers Association Legislative Day
Commissioner Tom Considine, left, and former Commissioner Neil Jasey  

Commissioner Tom Considine gave the keynote address at the New Jersey Bankers Association Legislative Day on June 20. The fourth annual event was held at the Trenton Marriott.

The Commissioner provided the audience of CEOs and bank management staff with an update about the economic landscape in New Jersey. He also discussed the ongoing and potential effects of the Dodd-Frank Wall Street Reform and Consumer Protection Act on community banks. 

Other scheduled speakers included Senate President Stephen Sweeney, Senator Gerald Cardinale and the Treasurer’s Office chief economist Charles Steindel.

At left, Commissioner Tom Considine speaks at the New Jersey Bankers Legislative Day in Trenton on June 20.
 
Former Commissioner Neil Jasey Honored
Commissioner Tom Considine, left, and former Commissioner Neil Jasey The Department of Banking and Insurance honored former Commissioner Neil M. Jasey with the official unveiling of his portrait and a reception at DOBI offices on June 20. Jasey served from July 2009 to January 2010.

Friends and former colleagues attended the event. Commissioner Tom Considine spoke briefly about Jasey’s tenure and thanked him for all his hard work.

Former Commissioner Neil Jasey and his wife, Assemblywoman Mila Jasey
Prior to serving at DOBI, Jasey had a distinguished career in the area of insurance and financial services, including 29 years of service with Prudential Insurance. He is a graduate of Princeton University and Columbia University School of Law.
Above left, Commissioner Tom Considine, left, stands with former Commissioner Neil Jasey following the unveiling of Jasey’s portrait.

Above right, Former Commissioner Jasey poses next to his portrait with wife, Assemblywoman Mila Jasey.
 
March 2011
Read Across America Day

To help celebrate Read Across America Day Commissioner Considine visited and read to a third grade class at H.W. Mountz School in Spring Lake on March 2. 

He read “The Great Kapok Tree” by Lynne Cherry, which tied into the next unit of study for the class.

Following his visit the Commissioner received beautiful letters from the students thanking him for his participation.

Read Across America is a reading motivation and awareness program that is held every March 2 in honor of Dr. Seuss’s birthday. The program, which began in 1998, was created by the National Education Association.

Commissioner Tom Considine   Commissioner Tom Considine Far left, Commissioner Considine reads to a third grade class at H.W. Mountz School in Spring Lake.

Commissioner Considine smiles as he reads thank you letters from the students he visited for his participation in Read Across America day.
 
January 2011
DOBI Explains New GUDPA Regulations at Seminar
GUDPA Seminar
From left: Managing Examiner John Nolan, Financial Examiner Carolina Chong, Chief Examiner Richard Poliner, Assistant Banking Division Director Nancy Graves, NJ Bankers Senior Vice President/Director of Government Relations Michael Affuso, and NJ Bankers Vice President and Director of Education Jenn Zorn
 
GUDPA Seminar
Above, John Nolan and Richard Poliner; at right, Carolina Chong
GUDPA Seminar

Representatives from the Department of Banking and Insurance explained the latest Governmental Unit Deposit Protection Act (GUDPA) rules at a training event in Monroe Township.

The Department’s new rules to implement amendments to GUDPA, which establishes collateral requirements for financial institutions that accept deposits of local government funds, took effect on Nov. 1.

In addition to setting fees and establishing time lines for the submission of reports, the rules also establish collateral obligations for public depositories holding uninsured public funds. The amount of collateral is determined by the amount of uninsured public deposits held, the percentage of such funds held in branches in New Jersey, and the capital category of the depository. 

The New GUDPA Rules Seminar, done in coordination with the NJ Bankers, included a Power Point presentation as well as a question and answer session, both of which were run by Chief Examiner Richard Poliner and Managing Examiner John Nolan.

Qualifications of entities under GUDPA, collateral coverage, online filing, and annual fees were some of the topics covered during the presentation. DOBI also provided background on why GUDPA was established, reasons for the recent changes and the reporting processes.

The event was held Jan. 21, at the Crowne Plaza Monroe. Questions or concerns regarding GUDPA can be directed to DOBI at gudpa@dobi.state.nj.us.
 
Mortage Bankers Industry Spend "A Day with DOBI"

Commissioner Tom Considine and key members of the Department of Banking and Insurance met with and updated members of the mortgage bankers industry at “A Day with DOBI” Jan. 18, 2011.

The National Mortgage Licensing System (NMLS), Surety Bond Waivers, the New Jersey Continuing Education Requirements, use of credit report information in approving licenses, annual reports and call reports and other current issues regarding licensing and renewals were among the topics discussed.

Commissioner Considine kicked off the event with opening remarks.

Day with DOBI
From left: Supervisor of Banking Licensing Diane Scholl, Assistant Banking Division Director Thomas Hunt, Administrator of the Licensing Services Bureau Susan Toth, Executive Director and Counsel of MBA-NJ/NJAMB E. Robert Levy, Commissioner Considine, and Division of Banking Director Garret Komjathy 

“Transitioning to the new requirements of the NMLS was a difficult process, but with good communication and cooperation between the Department and licensees we were able to changeover to the new federal regulations,” Considine said.

The event was sponsored by the Mortgage Bankers Association of New Jersey (MBA-NJ) and the New Jersey Association of Mortgage Brokers (NJAMB) and was held at the Woodbridge Hilton.

“A Day with DOBI” was emceed by E. Robert Levy, Esq., Executive Director and Counsel of MBA-NJ/NJAMB.  

Other speakers included: Division of Banking Director Garret Komjathy, Assistant Banking Division Director Thomas M. Hunt, Esq., Administrator of the Licensing Services Bureau Susan M. Toth, and Supervisor of Banking Licensing Diane W. Scholl, FMLI.

DOBI representatives also fielded inquiries from the audience during a question and answer session.

Day with DOBI Day with DOBI Day with DOBI
From left, Susan Toth, Thomas Hunt, Garret Komjathy, E. Robert Levy and Commissioner Considine
 
December 2010
2010 Commissioner's Symposium - Banking Outlook for a "New" New Jersey
Governor Chris Christie
Photo slideshow More information...

More than 200 industry leaders attended the 2010 Commissioner’s Symposium Dec. 1, 2010. Governor Chris Christie was the keynote speaker at the event which was sponsored by the Department of Banking and Insurance and the Conference of State Bank Supervisors.


The day included remarks from Commissioner Tom Considine as well as panels and roundtables focusing on the economic climate in New Jersey. The themed Symposium, “Banking Outlook for a ‘New’ New Jersey,” touched on the state and federal regulatory changes, the Garden State’s economic forecast, the mergers and acquisition market, and the state political scene.
Pictured above: Governor Chris Christie addresses the audience at the 2010 Commissioner’s Symposium.

 

Pictured at right (from left): Assistant Division Director Nancy Graves, Commissioner Tom Considine, Governor Chris Christie, Banking Division Director Garret Komjathy, Chief of Staff Ken Kobylowski

2010 Commissioner's Symposium
 
October 2010
New Jersey Financial Literacy Summit Commissioner Considine
More than 500 people attended the New Jersey Financial Literacy Summit on Oct. 13, at the Rutgers Busch Campus Center. The event was the collaborative result of the Department of Education (DOE), the Department of Banking and Insurance (DOBI), the NJ Coalition for Financial Education, and Junior Achievement of NJ and included sponsorship from many state businesses. Attendees at the event included teachers, school administrators and business leaders from across the state. The goal of the Financial Literacy Summit is to teach young people to manage their money, to be careful with their credit, and to budget wisely.
Pictured at right is DOBI Commissioner Tom Considine.  
 
Real Estate Commission Continuing Education Seminar

About 320 people in the real estate industry received continuing education credits at a seminar hosted by the Real Estate Commission (REC) within the Department of Banking and Insurance (DOBI) Oct. 21.

This seminar, hosted at the East Brunswick Hilton, included remarks by DOBI Commissioner Tom Considine, the REC Executive Director, Robert Kinniebrew and the Director of Banking Garret Komjathy. Attendees of the event included real estate licensees, school directors and instructors as well as other interested parties.

 
Real Estate Continuing Education Seminar
From left, Josh Elkes, owner of Direct Title; Doug Opirhory, Owner of Opirhory Realtors; Ludmilla Reigel, an agent with the Federal Bureau of Investigation (FBI); REC Executive Director Robert Kinniebrew; Doug Veivia, an agent with the FBI; and Banking Division Director Garret Komjathy.
Included in the program were representatives from the Federal Bureau of Investigations (FBI) who spoke about mortgage fraud and past criminal cases, and industry representatives who discussed issues facing licensees and instructors in today’s market. The afternoon portion of the event included Keynote Speaker Terry Watson, a motivational speaker that shared successful classroom strategies and advice for licensees.
Keynote Speaker Terry Watson
REC Executive Director Robert Kinniebrew
Commissioner Considine
Keynote Speaker Terry Watson
REC Executive Director
Robert Kinniebrew
Commissioner Considine
REC Continuing Education Seminar Denise Illes, REC - DOBI Far left, seminar attendees react to a presentation

At right, Denise Illes, REC - DOBI
 
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