# Insurance (GIN)

## Title 27. Unfair Trade Practices and Other Prohibited Practices

### Subtitle 4. Fraudulent Insurance Acts

#### Section 27-405

(a) It is a fraudulent insurance act for a person to act as or represent to the public that the person is:

  (1) an insurance producer or a public adjuster in the State if the person has not received the appropriate license under or otherwise complied with Title 10 of this article;

  (2) a navigator of the Small Business Health Options Program of the Maryland Health Benefit Exchange if the person has not received the appropriate license under or otherwise complied with Sec. 31-112 of this article;

  (3) a navigator of the Individual Exchange of the Maryland Health Benefit Exchange if the person has not received the appropriate certification under or otherwise complied with Sec. 31-113 of this article; or

  (4) an application counselor certified by the Individual Exchange of the Maryland Health Benefit Exchange if the person has not received the appropriate certification under or otherwise complied with Sec. 31-113(r) of this article.

(b) It is a fraudulent insurance act for an insurance producer:

  (1) to solicit or take application for, procure, or place for others insurance for which the insurance producer has not obtained an appropriate license;

  (2) knowingly to violate Sec. 10-130 of this article; or

  (3) intentionally to fail to report to an insurer the exact amount of consideration charged as a premium for an insurance contract, if different from the policy premium, and to fail to maintain records that show that information.

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