R 181714Z JAN 11
UNCLASSIFIED//
MARADMIN 035/11
MSGID/GENADMIN/CMC WASHINTON DC JA/JAL//
SUBJ/PERSONAL COMMERCIAL SOLICITATION AND FINANCIAL EDUCATION CLASSES //
REF/A/MSGID: PUBLIC LAW 109-290/-/-//
REF/B/MSGID: DOD IG AUDIT/-/-//
REF/C/MSGID: DODI 1344.07/-/-//
REF/D/MSGID: SECNAVINST 1740.2E/-/-//
POC/HOSTETTER/MARY/UNIT:CIV/NAME:JAL/TEL:COM 703-614-1266 /TEL:DSN 224-1266//
NARR/REF A IS THE MILITARY PERSONNEL FINANCIAL SERVICES PROTECTION ACT. REF B IS THE DOD IG AUDIT OF IMPACT OF LEGISLATION AND DIRECTIVES ON PERSONAL COMMERCIAL SOLICITATION OF MILITARY PERSONNEL D2010-D000LD-0095.000. REF C IS THE DODI 1344.07, PERSONAL COMMERCIAL SOLICITATION ON DOD INSTALLATIONS. REF D IS SECNAVINST 1740.2E, SOLICITATION AND THE CONDUCT OF PERSONAL COMMERCIAL AFFAIRS ON DEPARTMENT OF THE NAVY INSTALLATIONS.//
GENTEXT/REMARKS/1. PURSUANT TO REFERENCE A, REFERENCE B INVOLVED A STUDY OF PERSONAL COMMERCIAL SOLICITATION PRACTICES ONBOARD VARIOUS MILITARY INSTALLATIONS.  ALTHOUGH THE FINAL DOD IG REPORT TO CONGRESS IS PENDING, THERE WERE PRACTICES IDENTIFIED THAT WARRANT AN IMMEDIATE REMINDER TO COMMANDERS THAT PERSONAL FINANCIAL EDUCATION CLASSES, INCLUDING SUCH SUBJECTS AS INSURANCE, GOVERNMENT BENEFITS, SAVINGS, CREDIT AND DEBT MANAGEMENT, BUDGETING, AND OTHER FINANCIAL EDUCATION AND ASSISTANCE, MAY ONLY BE PRESENTED BY PERSONS AND ORGANIZATIONS AUTHORIZED IN REFERENCES C AND D.  UNDER NO CIRCUMSTANCES MAY COMMERCIAL INSURANCE SALES AGENTS, INCLUDING EMPLOYEES OR REPRESENTATIVES OF COMMERCIAL LOAN, FINANCE, INSURANCE, OR INVESTMENT COMPANIES, BE ALLOWED TO CONDUCT OR PARTICIPATE IN INSTALLATION OR UNIT PERSONAL FINANCIAL EDUCATION PRESENTATIONS.
2. ALL PERSONAL COMMERCIAL SOLICITATION AND INSURANCE SALES ONBOARD MARINE CORPS INSTALLATIONS MUST COMPLY WITH REFERENCES C AND D. AT NO TIME WILL AN INDIVIDUAL BE PERMITTED TO SOLICIT INSURANCE OR SECURITIES PRODUCTS ON A MARINE CORPS INSTALLATION WITHOUT WRITTEN AUTHORIZATION FROM THE INSTALLATION COMMANDER.
3. BEFORE PURCHASING COMMERCIAL INSURANCE OR INVESTMENT PRODUCTS, MARINES ARE STRONGLY ENCOURAGED TO SEEK COUNSELING FROM DISINTERESTED THIRD PARTIES, SUCH AS UNIT COMMAND FINANCIAL SPECIALISTS (CFS), PERSONAL FINANCIAL MANAGEMENT (PFM) SPECIALISTS AT MARINE CORPS COMMUNITY SERVICES (MCCS) OFFICES, OR LEGAL ASSISTANCE ATTORNEYS.  IN PROVIDING COUNSELING, THESE INDIVIDUALS SHALL NOT ENDORSE OR FAVOR ANY COMMERCIAL SUPPLIER, PRODUCT, OR SERVICE, OR PROMOTE THE SERVICES OF A SPECIFIC FINANCIAL INSTITUTION.
4. REPORTING REQUIREMENTS FOR VIOLATIONS OF REFERENCES C AND D ARE CONTAINED IN REFERENCE C.  QUESTIONS SHOULD BE ADDRESSED TO THE COGNIZANT STAFF JUDGE ADVOCATE.
5. RELEASE AUTHORIZED BY MAJGEN V. A. ARY, SJA TO CMC.//