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<section article="gfi" article_name="Financial Institutions" number="11-413" title_number="11" title_name="Consumer Credit" subtitle_number="4" subtitle_name="Sales Finance Companies -- Licensing Provisions">
  <level label="a">
    <text>The Commissioner may not examine or audit any licensee or other person except as expressly provided in this section.</text>
  </level>
  <level label="b">
    <level label="1">
      <text>If a buyer has reason to believe that any person has violated any provision of this subtitle or of any other law that regulates agreements, the buyer may file with the Commissioner a written complaint that states the details of the alleged violation.</text>
    </level>
    <level label="2">
      <text>On receipt of the written complaint, the Commissioner may inspect any books, records, letters, and contracts of any licensee, seller, or other person that relate to the complaint.</text>
    </level>
  </level>
  <level label="c">
    <text>In investigating a written complaint made under this section, the Commissioner may:</text>
    <level label="1">
      <text>Hold a hearing on the complaint at a time and place in this State that are reasonably convenient to the parties involved;</text>
    </level>
    <level label="2">
      <text>Subpoena witnesses;</text>
    </level>
    <level label="3">
      <text>Take depositions of witnesses who reside outside of this State in the same manner as provided for depositions to be taken in civil actions in courts of record;</text>
    </level>
    <level label="4">
      <text>Pay witnesses the same fees and mileage for their attendance as provided for witnesses in civil actions in courts of record; and</text>
    </level>
    <level label="5">
      <text>Administer oaths.</text>
    </level>
  </level>
  <level label="d">
    <level label="1">
      <text>If any person fails to comply with an order or subpoena of the Commissioner under this subtitle or to appear as a witness and testify concerning any matter about which the person may be interrogated under this subtitle, the Commissioner may file a petition for enforcement with the circuit court for any county.</text>
    </level>
    <level label="2">
      <text>On petition by the Commissioner, the court, if it finds it appropriate to do so, shall order the person to:</text>
      <level label="i">
        <text>Obey the order or subpoena; and</text>
      </level>
      <level label="ii">
        <text>Produce any necessary records, documents, or other evidence.</text>
      </level>
    </level>
  </level>
  <level label="e">
    <text>The Commissioner shall make findings on any written complaint made under this section and send a copy of the findings to each person involved in the complaint.</text>
  </level>
  <level label="f">
    <text>A person may not knowingly refuse to permit the Commissioner to conduct any investigation or examination authorized by this section.</text>
  </level>
</section>
