986                              Laws of Maryland                       Ch. 416

(b)    All claims shall be paid either by draft drawn upon the
insurer or by check of the insurer to the order of the claimant to
whom payment of the claim is due pursuant to the policy provisions,
or upon direction of the claimant to one specified.

(c)    No plan or arrangement shall be used whereby any person,
firm, or corporation other than the insurer or its designated claim
representative shall be authorized to settle or adjust claims. The
creditor shall not be designated as claim representative for the in-
surer in adjusting claims; but a group policyholder, by arrangement
with the group insurer, may draw drafts or checks in payment of
claims due to the group policyholder subject to audit and review by
the insurer.

436L. Insurance—Choice of Insurer.

When credit life insurance or credit health insurance is required
as additional security for any indebtedness, the debtor, upon notice
to the creditor, shall at any time during the credit transaction have
the option of furnishing the required amount of insurance through
existing policies of insurance owned or controlled by him or of pro-
curing and furnishing the required coverage through any insurer
authorized to transact an insurance business within this State. The
creditor shall, at the time that said transaction is consummated
wherein the debtor agrees to purchase credit life insurance or credit
health insurance, inform the debtor in writing of the option referred
to in this section, and the debtor shall acknowledge in writing, that
he has received notice of said option.

436M. Enforcement.

The Commissioner, after notice and hearing, may promulgate rules
and regulations he deems appropriate and necessary for the super-
vision of this subtitle. If the Commissioner finds that there has been
a violation of this subtitle or any rules or regulations promulgated
pursuant thereto, and after written notice thereof and hearing given
to the insurer or other person authorized or licensed by the Commis-
sioner, he shall set forth the details of his findings together with
an order for compliance by a specified date. The order shall be bind-
ing on the insurer and other person authorized or licensed by the
Commissioner on the date specified unless sooner withdrawn by the
Commissioner, or a stay thereof has been ordered by a court of
competent jurisdiction.

436N. Judicial Review.

Any party to the proceeding affected by an order of the Commis-
sioner shall be entitled to judicial review by following the procedure
set forth in Section 40 of this Article except that in the case of the
withdrawal of approval of a form or rate previously in use, the filing
of the appeal shall operate as a stay unless the court otherwise
determines.

436-O. Penalties.

In addition to any other penalty provided by law, any insurer or
any other person who violates an order of the Commissioner after it
has become final, and while the order is in effect, upon proof thereof