 California Department of Financial Protection and Innovation. Why refi is not authorized by the New York State Department of Financial Services. Fairbanks only news talk radio station that's in full stereo. We are KFAR 97.5 FM and streaming live at KFARradio.com. I'm Ted Lender, President Biden campaigning today in Pennsylvania, telling the congregation at a church in Philly this morning. You know, I've been doing this a long time.