In this chapter, the following terms have the meanings indicated. Terms Defined. “Hearing panel” means the Presiding Officer and other individuals designated by him to hear the case; however, the decision shall be made by the Presiding Officer. “Presiding Officer” means the Commissioner of Financial Regulation or the Deputy Commissioner when acting pursuant to Financial Institutions Article, §2-103(e), Annotated Code of Maryland (Deputy Commissioner to act in case of vacancy).