# Financial Institutions (GFI)

## Title 11. Consumer Credit

### Subtitle 6. Mortgage Loan Originators

#### Section 11-608

(a) If the Commissioner denies an application, the Commissioner:

  (1) Within 10 days, shall notify the applicant, in writing, of the denial; and

  (2) Shall keep the license fee and the investigation fee.

(b) Within 30 days after the Commissioner denies an application, the Commissioner shall:

  (1) Issue a written decision containing the specific factual findings and conclusions of law on which the denial was based;

  (2) Send a copy of the written decision by certified mail to the applicant; and

  (3) Advise the applicant by certified mail of the applicant's right to a hearing to be held in accordance with the Administrative Procedure Act.

(c) An applicant who seeks a hearing on an application denial shall file with the Commissioner's office a written request for a hearing within 45 days after receipt of the Commissioner's written decision and notice of the applicant's right to a hearing.

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Md. Code Ann., Fin. Inst. (as displayed at mgaleg.maryland.gov, October 16, 2026)