Ch. 375                                    2003 LAWS OF MARYLAND

(1)      THE NATURE OF THE CRIME;

(2)      THE RELATIONSHIP OF THE CRIME TO THE ACTIVITIES AUTHORIZED
BY THE LICENSE;

(3)      WITH RESPECT TO A FELONY, THE RELEVANCE OF THE CONVICTION
TO THE FITNESS AND QUALIFICATION OF THE APPLICANT OR LICENSEE TO PROVIDE
DEBT MANAGEMENT SERVICES;

(4)      THE LENGTH OF TIME SINCE THE CONVICTION; AND

(5)      THE BEHAVIOR AND ACTIVITIES OF THE APPLICANT OR LICENSEE
SINCE THE CONVICTION.

(C) SUBJECT TO THE HEARING PROVISIONS OF § 12-927 OF THIS SUBTITLE,
THE COMMISSIONER SHALL DENY A LICENSE TO AN APPLICANT AND SUSPEND OR
REVOKE THE LICENSE OF A LICENSEE IF THE APPLICANT OR LICENSEE OR AN
OWNER, OFFICER DIRECTOR, OR PRINCIPAL OF THE APPLICANT OR LICENSEE HAS:

(1)      COMMITTED A VIOLATION OF SUBSECTION (A) OF THIS SECTION
THAT DIRECTLY RESULTS IN PROPERTY DAMAGE OR MONETARY LOSS BY ANY OTHER
PERSON; AND

(2)      HAS NOT RESTORED THE PROPERTY OR MONEY TO THE PERSON OR
PAID THE VALUE OF THE PROPERTY TO THE PERSON.

12-927.

(A)     BEFORE THE COMMISSIONER DENIES AN APPLICATION FOR A LICENSE
UNDER § 12-910 OF THIS SUBTITLE OR TAKES ANY ACTION UNDER § 12-926 OF THIS
SUBTITLE, THE COMMISSIONER SHALL GIVE THE APPLICANT OR LICENSEE AN
OPPORTUNITY FOR A HEARING.

(B)     NOTICE OF THE HEARING SHALL BE GIVEN AND THE HEARING SHALL BE
HELD IN ACCORDANCE WITH TITLE 10, SUBTITLE 2 OF THE STATE GOVERNMENT
ARTICLE.

12-928.

(A) THE COMMISSIONER MAY ENFORCE THE PROVISIONS OF THIS SUBTITLE
BY ISSUING AN ORDER REQUIRING THE VIOLATOR TO;

(1) CEASE AND DESIST FROM THE VIOLATION AND ANY FURTHER
SIMILAR VIOLATIONS; AND

(2)     TAKE AFFIRMATIVE ACTION TO CORRECT THE VIOLATION,
INCLUDING THE RESTITUTION OF MONEY OR PROPERTY TO ANY PERSON AGGRIEVED
BY THE VIOLATION.

(B) IF A VIOLATOR FAILS TO COMPLY WITH AN ORDER ISSUED UNDER
SUBSECTION (A) OF THIS SECTION, THE COMMISSIONER MAY IMPOSE A CIVIL
PENALTY NOT EXCEEDING $1,000 FOR THE FIRST VIOLATION AND NOT EXCEEDING

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