The State of New Jersey
NJ Department of Banking and Insurance

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Breakdown of Required CE Hours

According to current NJREC Statutes and Rules, 12 hours of CE coursework must be completed.

COMPLETE ONLY OPTION #1 or #2 BELOW (not both):

CE Option #1   CE Option #2
  • 2 hours - ETHICS
  • 4 hours - CORE
  • 6 hours - ELECTIVES: A mix, or all of the same, of any of the following three CE types: ELECTIVES or ETHICS or CORE

12 hours TOTAL

  • 12 hours total - All ETHICS
Important Note:

  • ETHICS IS an acceptable substitute for CORE and ELECTIVES, but CORE and ELECTIVES IS NOT an acceptable substitute for ETHICS.
  • ETHICS and CORE ARE acceptable to use instead of ELECTIVES.
  • All Referral Agents changing licensing types are required to complete the CE all in CORE or ETHIC topics ONLY (see chart).
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