If the Commissioner denies an application, the Commissioner: Within 10 days, shall notify the applicant, in writing, of the denial; and Shall keep the license fee and the investigation fee. Within 30 days after the Commissioner denies an application, the Commissioner shall: Issue a written decision containing the specific factual findings and conclusions of law on which the denial was based; Send a copy of the written decision by certified mail to the applicant; and Advise the applicant by certified mail of the applicant’s right to a hearing to be held in accordance with the Administrative Procedure Act. 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.