780 LAWS OF MARYLAND. [CH. 476

cept that an extension granted without any additional charge
may be made by an instrument signed by the licensee only. An
exact copy of such instrument shall be delivered to the buyer
at the time such renewal, extension or refund is made. It
shall state the full names and post office addresses of all par-
ties thereto, identify the instalment agreement to which it
relates, describe the goods subject thereto, and set forth any
security interest or collateral security which was reserved or
taken to secure the instalment agreement and which is retained
to secure the renewal, extension or refund. It shall state the
amount of the extended principal, the agreed rate of charge,
the number of instalments scheduled, and the time and amount
of each.

(d) Any buyer obligated to a licensee on any renewal, ex-
tension or refund agreement shall have the right at any time
to pay the unpaid balance thereof whether then due or not.
Upon such prepayment in full before maturity in money or by
subsequent renewal or otherwise, the licensee shall pay or
credit to the buyer the unearned portion of the total charge
made for the renewal, extension or refund.

143. Investigations on Complaints, (a) Any buyer having
reason to believe that this sub-title, or any other law regulat-
ing instalment agreements or transactions, has been violated
by any person may tile with the Commissioner a written com-
plaint setting forth the details of such alleged violation. Upon
receipt of such complaint, the Commissioner, or any person
duly designated by him, may inspect the pertinent books,,
records, letters and contracts of any licensee, and of any retail
seller or other person involved, relating to such specific written
complaint.

(b) The Commissioner, or any deputy designated by him,,
shall have the power to hold hearings upon such complaints
and to determine the time and place in this State, reasonably
convenient to the parties involved, where they shall be held;.
to subpoena witnesses; to take depositions of witnesses re-
siding without the State, in the manner provided for in civil
actions in courts of record; to pay such witnesses the fees and
mileage for their attendance provided for witnesses in civil
actions in courts of record; and to administer oaths. In case
of failure of any person to comply with any lawful order or
subpoena of the Commissioner, or upon the refusal of any
witness to appear and testify to any matter regarding which
he may be lawfully interrogated, upon petition of the Com-
missioner setting forth the facts, it shall be the duty of the
circuit court of any county or any civil court of Baltimore
City, or any judge thereof in vacation, to compel obedience to
the requirements of such subpoena or order and to compel the