E Relating to commerce; expanding the application of the fees paid to the commissioner of commerce for approval of continuing education courses and course coordinators to fees for approval of education courses and course coordinators; eliminating the requirement for the commissioner to annually investigate currency exchange businesses, granting the commissioner investigatory discretion; establishing the consumer education account in the special revenue fund for commissioner grants to programs and campaigns designed to help consumers avoid victimization by unscrupulous lenders and mortgage brokers, increasing the fees for initial and renewal residential mortgage originator license fees, requiring crediting of the additional amount to the account; increasing the minimum education credit for insurance agents teaching or lecturing at accredited continuing insurance education courses; expanding the provision providing for issuance of insurance adjuster licenses without examination relating to successful completion of qualifying adjuster programs; modifying the initial license term for insurance adjusters, authorizing renewal; modifying the time limit for commissioner summary suspension of the effectiveness of corporate takeover offers after filing of the registration statement; modifying certain real estate broker and salesperson agreement and disclosure form content requirements and requiring licensees to disclose to prospective buyers material facts adversely affecting the use or enjoyment of the property; modifying and making permanent the program for delivery of continuing education courses for real estate brokers through interactive technology; requiring financial institutions to notify the commissioner of dishonored drafts drawn on real estate trust accounts; requiring orders for real estate broker or salesperson license denial, suspension or revocation to state the specific statute or rule violated; requiring and providing for commissioner accelerated payment of claims against the recovery portion of the real estate education, research and recovery fund in response to conciliation court judgments under certain conditions, specifying a claims limit; authorizing the commissioner to suspend the real estate education, research and recovery fund fee under certain fund balance excess conditions; removing a certain reference to the licensing of registered real property appraisers; eliminating the additional license requirement for the sale of subdivided lands after a certain date and the exception to the minimum number of members required on boards of directors of nonprofit corporations; strengthening the provision authorizing commissioner denial, suspension or revocation of residential contractor licenses relating to state building code violations; increasing the limit under the contractors recovery fund relating to liability per licensee; modifying the process for appeal of collection agency licensing decisions; extending the time limit for application for reappointment of notary commissions and standardizing the expiration date for commissions; clarifying the prohibition on the charging of residential real estate closing fees in closings performed without a title insurance commitment; requiring the commissioner to study the issue of continuing education course requirements for real estate appraisers and licensed mortgage originators and servicers employees relating to state and federal fair housing laws to further consumer protection and report to the legislature by a certain date; appropriating money to the department of commerce for an educational campaign aimed at fair housing and housing related antidiscrimination initiatives (mk, ja)