Titular de Insurance Insights
Volume 4, No. 1 - January 2015

Central de Educación

- Lo que debe saber acerca de su educación continua

What's in a Title: CE Requirements

The talk of the town for the past couple of years has been focused on the new 5-Hour Law and Ethics Update Course and Elective requirement as this was a major shift in licensee education. A topic that has not been at the forefront of conversation is the continuing education requirement for title agents. Mainly this stems from the fact that there has really been little change in what is required of a title agent when it comes to the actual education hours and types of courses that are required. Title agents are still required to complete ten hours of credit every two years, three hours of which must be on the subject matter of ethics, rules and compliance. The remaining seven hours must be satisfied by taking courses specifically approved for Title Insurance and Escrow Management. As you can see, these requirements have essentially remained unchanged.

Let's explore for a moment what happens when a title agent obtains another license type such as an individual who currently holds a title agent license and decides that they really would like to hold a general lines agent license as well. Once this individual holds both license types, what would the continuing education requirement look like? Would this individual be required to complete two separate compliance cycles to satisfy both license requirements? The simple answer is yes. To dig deeper, section 626.2815, F.S. requires title agents to take courses specifically approved for title insurance every two years and also requires all other licensees to take a 5-Hour Law and Ethics Update course specific to a license held and elective courses every two years. Because both of these requirements are so vastly different, licensees who hold both license types will be required to complete the requirement for each license separately in order to maintain each respective license.

It is a good rule of thumb to frequently log in to your Mi Perfil account and review any messages from the Department and also monitor your continuing education evaluation and transcript. If you have any questions, please feel free to contact us by calling the Consumer Helpline at 1-877-693-5236 or emailing the Education Unit directly at Education@MyFloridaCFO.com.

Are You Compliant with Your CE or Not?

If you have ever felt confused about what it means to be continuing education (CE) compliant, you are not alone. That's why we are continuously finding and implementing ways to help you with this. To be CE compliant requires more than just taking CE courses. Below are a few often overlooked suggestions for remaining CE compliant.

  • CE requirements change. You should regularly review your CE status through your Mi Perfil account. Your total hours have specific allocation requirements that must be met. Be sure to take all the right categories of CE courses.
  • Check for late hours. Hours taken after your due date will still post on your compliance evaluation screen, but they will be noted as "Late". Though your hours requirement may have been met, late completion of your continuing education requirement will result in penalties. The statutory penalty for failure to complete CE is the cancellation of all your appointments, however you may be given the option of paying a $250 fine instead. Regardless of the penalty assessed, you are still required to complete past due CE requirements.
  • Check past evaluation periods. Always check previous compliance periods to make sure you are not delinquent for a prior period. Be sure to click on VIEW ENFORCEMENT NOTICE just below the Not Compliant text to check for any outstanding fines.
  • Check your transcript. The same course cannot be taken with the same provider within a three-year period and receive credit. This is noted on your transcript as a duplicate course. You will need to take a different course to meet your CE requirement.

We wish you success in completing your hours to remain knowledgeable in an ever-changing insurance market. And remember, your CE compliance date is your DUE date, not your DO de la agencia.

Cómo Buscar Cursos de EC Aprobados

Looking for continuing education (CE) courses to be sure you get all your hours completed? Our online course search can easily help you by listing those courses approved by the Department.

  1. Ingrese a nuestro sitio web en www.MyFloridaCFO.com/Division/Agents.
  2. Haga clic en Mi Perfil en el panel izquierdo e inicie sesión en su cuenta.
  3. Desde la bandeja de entrada de Mi Perfil, haga clic en Localizar en la parte superior izquierda. Luego haga clic en Cursos Ofrecidos Futuros.
  4. Seleccione la Autorización para el Curso para el tipo de licencia que tiene o el curso que necesita hacer.
  5. También tiene otras opciones como Método de Estudio y Ubicación para reducir los resultados de la búsqueda.
  6. Si hace clic en Realizar una Búsqueda Avanzada, accederá a opciones adicionales para reducir los resultados de su búsqueda, como Fecha del Curso y Nivel del Curso.

Because many factors may affect your continuing education requirement (e.g. licenses held, number of years licensed, etc.), we encourage you to periodically check your Mi Perfil account to determine your individual continuing education compliance requirements and status. You will also be able to find more approved CE courses after logging in to your Mi Perfil account versus the public search option, which limits the results to the first 100 course offerings.

Providers: Education Revelations

The Education Unit has historically enjoyed presenting information and conveying updates to its education provider stakeholders through our bi-monthly conference calls. Our staff has valued the opportunity to connect with Florida's education providers, and we're more than pleased by our providers that look forward to 'tuning in'. While the conference call has consistently been an enjoyable venture for regular staff members and guest speakers alike, the Education Unit is challenged to reach an ever-increasing population of educators, considering the limitations of this format. In an effort to ensure delivery of valuable content related to the education of insurance agents and adjusters through an even wider channel, the Education Unit will be transitioning to a quarterly newsletter format starting in 2015. Restrictions in available audience space will no longer be an issue, and removing potential scheduling conflicts creates a large degree of flexibility for content digestion. Education providers can expect the same nature of material in the newsletter, but can now be encouraged to explore the contents at their own pace and on their own timeline. The initial issue of the newsletter can be expected after the end of the first quarter of 2015.