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<chapter num="01" heading="Hearings" title_num="31" subtitle_num="02">
  <regulation prefix="Regulation" num=".01" heading="Scope.">
    <paragraph num="A.">
      <text>In General. This chapter applies to all contested case hearings:</text>
      <paragraph num="(1)">
        <text>Heard by the Administration; or</text>
      </paragraph>
      <paragraph num="(2)">
        <text>Delegated by the Administration to the Office of Administrative Hearings under State Government Article, §10-205, Annotated Code of Maryland.</text>
      </paragraph>
    </paragraph>
    <paragraph num="B.">
      <text>Except as provided in this chapter, COMAR 28.02.01 governs the conduct of a hearing before the Office of Administrative Hearings.</text>
    </paragraph>
    <paragraph num="C.">
      <text>Exclusions. This chapter does not apply to the consideration of rates or contracts, the adoption of regulations, or other quasi-legislative hearings.</text>
    </paragraph>
  </regulation>
  <regulation prefix="Regulation" num=".02" heading="Definitions.">
    <paragraph num="A.">
      <text>In this chapter, the following terms have the meanings indicated.</text>
    </paragraph>
    <paragraph num="B.">
      <text>Terms Defined.</text>
      <paragraph num="(1)">
        <text>“Administration” means the Maryland Insurance Administration.</text>
      </paragraph>
      <paragraph num="(2)">
        <text>“Administrative complaint” means a document that:</text>
        <paragraph num="(a)">
          <text>Is received by the Commissioner from any person; and</text>
        </paragraph>
        <paragraph num="(b)">
          <text>Alleges a violation of:</text>
          <paragraph num="(i)">
            <text>A law or regulation enforced by the Commissioner; or</text>
          </paragraph>
          <paragraph num="(ii)">
            <text>An order issued by the Commissioner.</text>
          </paragraph>
        </paragraph>
      </paragraph>
      <paragraph num="(3)">
        <text>Contested Case.</text>
        <paragraph num="(a)">
          <text>“Contested case” has the meaning stated in State Government Article, §10-202(d), Annotated Code of Maryland.</text>
        </paragraph>
        <paragraph num="(b)">
          <text>“Contested case” includes a proceeding:</text>
          <paragraph num="(i)">
            <text>Arising out of a determination made by the Commissioner;</text>
          </paragraph>
          <paragraph num="(ii)">
            <text>Arising out of a charging document, order, or notice issued by the Commissioner;</text>
          </paragraph>
          <paragraph num="(iii)">
            <text>Regarding a license, certificate, registration, or special permit;</text>
          </paragraph>
          <paragraph num="(iv)">
            <text>On a proposed examination report; or</text>
          </paragraph>
          <paragraph num="(v)">
            <text>Arising out of any other act of, threatened act of, or failure to act by the Commissioner that aggrieves a person.</text>
          </paragraph>
        </paragraph>
        <paragraph num="(c)">
          <text>“Contested case” does not include:</text>
          <paragraph num="(i)">
            <text>A hearing on the approval or disapproval of a rate filing or a form filing; or</text>
          </paragraph>
          <paragraph num="(ii)">
            <text>Any other quasi-legislative hearing.</text>
          </paragraph>
        </paragraph>
      </paragraph>
      <paragraph num="(4)">
        <text>Determination.</text>
        <paragraph num="(a)">
          <text>“Determination” means a decision by the Commissioner that requires the Commissioner to provide the opportunity for a hearing to a person aggrieved by the decision under Insurance Article, §2-210, Annotated Code of Maryland.</text>
        </paragraph>
        <paragraph num="(b)">
          <text>“Determination” includes:</text>
          <paragraph num="(i)">
            <text>A decision as to whether a person against whom an administrative complaint has been received violated a law, regulation, or order; and</text>
          </paragraph>
          <paragraph num="(ii)">
            <text>An order issued under Insurance Article, §2-204, Annotated Code of Maryland.</text>
          </paragraph>
        </paragraph>
      </paragraph>
      <paragraph num="(5)">
        <text>Examination Report.</text>
        <paragraph num="(a)">
          <text>“Examination report” means a report of the examination of:</text>
          <paragraph num="(i)">
            <text>An authorized insurer, management company of an authorized insurer, subsidiary owned or controlled by an authorized insurer, rating organization, or authorized health maintenance organization that is subject to examination under Insurance Article, §2-205, Annotated Code of Maryland;</text>
          </paragraph>
          <paragraph num="(ii)">
            <text>An insurance producer, surplus lines broker, general agent, adjuster, public adjuster, adviser, or other person that is subject to examination under Insurance Article, §2-206, Annotated Code of Maryland;</text>
          </paragraph>
          <paragraph num="(iii)">
            <text>An accredited reinsurer that is subject to examination under Insurance Article, Title 5, Subtitle 9, Annotated Code of Maryland;</text>
          </paragraph>
          <paragraph num="(iv)">
            <text>A third party administrator that is subject to examination under Insurance Article, §8-319, Annotated Code of Maryland;</text>
          </paragraph>
          <paragraph num="(v)">
            <text>A fraternal benefit society that is subject to examination under Insurance Article §8-461 or 8-462, Annotated Code of Maryland;</text>
          </paragraph>
          <paragraph num="(vi)">
            <text>An accepted fronting reinsurer that is subject to examination under Insurance Article, §13-116, Annotated Code of Maryland;</text>
          </paragraph>
          <paragraph num="(vii)">
            <text>A nonprofit health service plan that is subject to examination under Insurance Article, §14-125, Annotated Code of Maryland;</text>
          </paragraph>
          <paragraph num="(viii)">
            <text>A dental plan organization that is subject to examination under Insurance Article, §14-411, Annotated Code of Maryland;</text>
          </paragraph>
          <paragraph num="(ix)">
            <text>A private review agent that is subject to examination under Insurance Article, §15-10B-19, Annotated Code of Maryland;</text>
          </paragraph>
          <paragraph num="(x)">
            <text>A premium finance company that is subject to examination under Insurance Article, §23-103, Annotated Code of Maryland;</text>
          </paragraph>
          <paragraph num="(xi)">
            <text>A managed care organization that is subject to examination under Health-General Article, §15-102.3, Annotated Code of Maryland;</text>
          </paragraph>
          <paragraph num="(xii)">
            <text>A provider-sponsored organization that is subject to examination under Health-General Article, Title 19, Subtitle 7A, Annotated Code of Maryland;</text>
          </paragraph>
          <paragraph num="(xiii)">
            <text>The Chesapeake Employers’ Insurance Company, which is subject to examination under Insurance Article, §24-304(e)(1), Annotated Code of Maryland; or</text>
          </paragraph>
          <paragraph num="(xiv)">
            <text>Any other person that is subject to examination by the Commissioner under any other provision of law.</text>
          </paragraph>
        </paragraph>
        <paragraph num="(b)">
          <text>“Examination report” includes:</text>
          <paragraph num="(i)">
            <text>A financial examination report; and</text>
          </paragraph>
          <paragraph num="(ii)">
            <text>A market conduct examination report.</text>
          </paragraph>
        </paragraph>
      </paragraph>
      <paragraph num="(6)">
        <text>“Hearing officer” means:</text>
        <paragraph num="(a)">
          <text>The Maryland Insurance Commissioner or the Commissioner's authorized designee under Insurance Article, §2-210(d), Annotated Code of Maryland; or</text>
        </paragraph>
        <paragraph num="(b)">
          <text>An administrative law judge.</text>
        </paragraph>
      </paragraph>
      <paragraph num="(7)">
        <text>“Licensee” means a person holding a certificate of authority, license, registration, or special permit issued by the Administration or who has other similar authority to operate under the regulatory authority of the Administration.</text>
      </paragraph>
      <paragraph num="(8)">
        <text>“Office” means the Office of Administrative Hearings.</text>
      </paragraph>
      <paragraph num="(9)">
        <text>“Proposed examination report” means an examination report that:</text>
        <paragraph num="(a)">
          <text>The Commissioner mails to the person examined:</text>
          <paragraph num="(i)">
            <text>At the conclusion of an examination; and</text>
          </paragraph>
          <paragraph num="(ii)">
            <text>Before filing the examination report; and</text>
          </paragraph>
        </paragraph>
        <paragraph num="(b)">
          <text>Informs the person being examined of the person's right to request a hearing pursuant to Regulation .04C of this chapter.</text>
        </paragraph>
      </paragraph>
    </paragraph>
  </regulation>
  <regulation prefix="Regulation" num=".03" heading="Request for a Hearing — In General.">
    <paragraph num="A.">
      <text>Scope. This regulation applies to all requests for a hearing except a request for a hearing on a proposed examination report.</text>
    </paragraph>
    <paragraph num="B.">
      <text>A person may request a hearing under Insurance Article, §2-210(a)(2), Annotated Code of Maryland, by submitting a written statement to the Commissioner, signed by the requesting person.</text>
    </paragraph>
    <paragraph num="C.">
      <text>Request to be Received Within 30 Days.</text>
      <paragraph num="(1)">
        <text>The request shall be received by the Commissioner within 30 days of the date of the letter notifying the party of the Commissioner's action, intention to act, or failure to act.</text>
      </paragraph>
      <paragraph num="(2)">
        <text>In calculating the 30-day period, the date of the letter notifying the party of the Commissioner's action, intention to act, or failure to act is not included.</text>
      </paragraph>
      <paragraph num="(3)">
        <text>The end of a day is considered to be 11:59 p.m. Eastern Time.</text>
      </paragraph>
      <paragraph num="(4)">
        <text>The last day of the 30-day period is included unless it is a Saturday, Sunday, legal holiday, or a day that the Administration is closed for a part of the day.</text>
      </paragraph>
      <paragraph num="(5)">
        <text>If the last day of the 30-day period is a Saturday, Sunday, legal holiday, or a day that the Administration is closed for a part of the day, the 30-day period runs until the end of the next day which is not a Saturday, Sunday, legal holiday, or a day that the Administration is closed for a part of the day.</text>
      </paragraph>
      <paragraph num="(6)">
        <text>Intermediate Saturdays, Sundays, legal holidays, and days that the Administration is closed for a part of the day shall be counted toward the 30-day period.</text>
      </paragraph>
    </paragraph>
    <paragraph num="D.">
      <text>The request shall include the following information:</text>
      <paragraph num="(1)">
        <text>The action or non-action of the Commissioner causing the person requesting the hearing to be aggrieved;</text>
      </paragraph>
      <paragraph num="(2)">
        <text>The facts related to the incident or incidents about which the person requests the Commissioner to act or not to act; and</text>
      </paragraph>
      <paragraph num="(3)">
        <text>The ultimate relief requested.</text>
      </paragraph>
    </paragraph>
    <paragraph num="E.">
      <text>Upon receipt of a proper request, the Commissioner shall grant a hearing unless:</text>
      <paragraph num="(1)">
        <text>In viewing the facts set forth by the person making the request, in the light most favorable to that person, the Commissioner has no authority to take action;</text>
      </paragraph>
      <paragraph num="(2)">
        <text>The Commissioner determines that the request is frivolous or made in bad faith;</text>
      </paragraph>
      <paragraph num="(3)">
        <text>The request does not contain the information required by these regulations;</text>
      </paragraph>
      <paragraph num="(4)">
        <text>The request is untimely; or</text>
      </paragraph>
      <paragraph num="(5)">
        <text>At the end of the Commissioner's review, the request is moot.</text>
      </paragraph>
    </paragraph>
  </regulation>
  <regulation prefix="Regulation" num=".04" heading="Request for a Hearing — Proposed Examination Reports.">
    <paragraph num="A.">
      <text>Scope. This regulation applies to a request for a hearing on a proposed examination report.</text>
    </paragraph>
    <paragraph num="B.">
      <text>Proposed Examination Report.</text>
      <paragraph num="(1)">
        <text>At least 30 days before filing a proposed examination report, the Commissioner shall mail a copy of the proposed examination report to the person that was examined.</text>
      </paragraph>
      <paragraph num="(2)">
        <text>If the Commissioner intends to impose a fine or other penalty or require restitution or other remedy as a result of the findings of the proposed examination report, the Commissioner may include with the proposed examination report:</text>
        <paragraph num="(a)">
          <text>The amount of the fine;</text>
        </paragraph>
        <paragraph num="(b)">
          <text>The amount or nature of the restitution; and</text>
        </paragraph>
        <paragraph num="(c)">
          <text>The nature of any other penalty or remedy.</text>
        </paragraph>
      </paragraph>
    </paragraph>
    <paragraph num="C.">
      <text>Request for Hearing. The person being examined may request a hearing on a proposed examination report by submitting a written request to the Commissioner within 30 days after the proposed examination report is received by the person.</text>
    </paragraph>
    <paragraph num="D.">
      <text>Contents of Hearing Request. The hearing request shall include exceptions to the proposed examination report that:</text>
      <paragraph num="(1)">
        <text>Specifically identify:</text>
        <paragraph num="(a)">
          <text>The factual assertions in the proposed examination report that the person is challenging; and</text>
        </paragraph>
        <paragraph num="(b)">
          <text>Any errors of law that the person contends are contained in the proposed examination report;</text>
        </paragraph>
      </paragraph>
      <paragraph num="(2)">
        <text>State the nature of the relief that the person is demanding; and</text>
      </paragraph>
      <paragraph num="(3)">
        <text>State the grounds for relief that the person is demanding.</text>
      </paragraph>
    </paragraph>
    <paragraph num="E.">
      <text>Procedure Following Hearing Request. If the Commissioner receives a request for a hearing on a proposed examination report within the 30-day period, the Commissioner:</text>
      <paragraph num="(1)">
        <text>Shall grant a hearing on the exceptions to the proposed examination report; and</text>
      </paragraph>
      <paragraph num="(2)">
        <text>May not file the proposed examination report until after:</text>
        <paragraph num="(a)">
          <text>The hearing is held; and</text>
        </paragraph>
        <paragraph num="(b)">
          <text>The Commissioner makes any modifications to the proposed examination report that the Commissioner considers proper.</text>
        </paragraph>
      </paragraph>
    </paragraph>
  </regulation>
  <regulation prefix="Regulation" num=".04-1" heading="Delegation of Authority.">
    <paragraph num="A.">
      <text>The Commissioner may, on a case-by-case basis, delegate to the Office the authority to:</text>
      <paragraph num="(1)">
        <text>Conduct a contested case hearing; and</text>
      </paragraph>
      <paragraph num="(2)">
        <text>Issue:</text>
        <paragraph num="(a)">
          <text>Proposed or final findings of fact;</text>
        </paragraph>
        <paragraph num="(b)">
          <text>Proposed or final conclusions of law;</text>
        </paragraph>
        <paragraph num="(c)">
          <text>Proposed or final findings of fact and conclusions of law; or</text>
        </paragraph>
        <paragraph num="(d)">
          <text>A proposed or final order.</text>
        </paragraph>
      </paragraph>
    </paragraph>
    <paragraph num="B.">
      <text>The Commissioner may revoke all or part of a delegation of authority to the Office to preside over a hearing if:</text>
      <paragraph num="(1)">
        <text>The case:</text>
        <paragraph num="(a)">
          <text>Involves novel or unanticipated factual or legal issues;</text>
        </paragraph>
        <paragraph num="(b)">
          <text>Has significant social, fiscal, or legal issues;</text>
        </paragraph>
        <paragraph num="(c)">
          <text>Involves policy issues of general applicability; or</text>
        </paragraph>
        <paragraph num="(d)">
          <text>Requires further investigation; or</text>
        </paragraph>
      </paragraph>
      <paragraph num="(2)">
        <text>The Commissioner determines that revocation of all or part of the delegation of authority is otherwise in the public interest.</text>
      </paragraph>
    </paragraph>
    <paragraph num="C.">
      <text>Procedure for Revocation.</text>
      <paragraph num="(1)">
        <text>The Commissioner shall provide written notice of a revocation of hearing authority to all parties and the Office.</text>
      </paragraph>
      <paragraph num="(2)">
        <text>The written notice shall contain a brief statement of the reason for the revocation.</text>
      </paragraph>
      <paragraph num="(3)">
        <text>Delegation of authority to hear a contested case may be revoked at any time before the earlier of the:</text>
        <paragraph num="(a)">
          <text>Issuance of a ruling by the administrative law judge on a substantive issue; or</text>
        </paragraph>
        <paragraph num="(b)">
          <text>Taking of oral testimony from the first witness.</text>
        </paragraph>
      </paragraph>
      <paragraph num="(4)">
        <text>The Commissioner shall specify whether all or part of the delegation to hear a contested case has been revoked.</text>
      </paragraph>
      <paragraph num="(5)">
        <text>If only part of the delegation has been revoked, the Commissioner shall specify in the written notice of revocation the portions of the contested case for which the delegation has been revoked.</text>
      </paragraph>
      <paragraph num="(6)">
        <text>On revocation of the delegation, the Commissioner shall:</text>
        <paragraph num="(a)">
          <text>Refer the contested case for further investigation;</text>
        </paragraph>
        <paragraph num="(b)">
          <text>Set the contested case for a hearing with the Commissioner or the Commissioner's designee acting as the hearing officer; or</text>
        </paragraph>
        <paragraph num="(c)">
          <text>Dismiss the contested case.</text>
        </paragraph>
      </paragraph>
    </paragraph>
  </regulation>
  <regulation prefix="Regulation" num=".05" heading="Service of Notices, Decisions, Orders, and Other Documents.">
    <paragraph num="A.">
      <text>The Administration or the Office shall provide notice of a hearing pursuant to State Government Article, §10-209, Annotated Code of Maryland.</text>
    </paragraph>
    <paragraph num="B.">
      <text>Notices, decisions, orders, and other documents issued by the Administration or the Office may be served on a person by:</text>
      <paragraph num="(1)">
        <text>Personal delivery to the person;</text>
      </paragraph>
      <paragraph num="(2)">
        <text>Mailing a copy of the document, first class, postage prepaid, to the person's address of record on file with the Administration;</text>
      </paragraph>
      <paragraph num="(3)">
        <text>Mailing a copy of the document, first class, postage prepaid, to the person's last known address if different from the person's address of record on file with the Administration;</text>
      </paragraph>
      <paragraph num="(4)">
        <text>Mailing a copy of the document by certified mail to the person's address of record on file with the Administration or last known address; or</text>
      </paragraph>
      <paragraph num="(5)">
        <text>Delivering or mailing a copy of the document, first class, postage prepaid, to the person's attorney, if the person is represented by counsel.</text>
      </paragraph>
    </paragraph>
    <paragraph num="C.">
      <text>Notice of a hearing is sufficient:</text>
      <paragraph num="(1)">
        <text>If the initial notice of a hearing is sent by regular mail to a party at the party's business and resident addresses on file with the Commissioner in accordance with Insurance Article, §§10-111(a)(4) and 10-117, Annotated Code of Maryland; and</text>
      </paragraph>
      <paragraph num="(2)">
        <text>Upon a satisfactory showing that the notice was sent not less than 30 calendar days before the hearing, unless a different time period is required by law.</text>
      </paragraph>
    </paragraph>
    <paragraph num="D.">
      <text>A record shall be maintained stating:</text>
      <paragraph num="(1)">
        <text>To whom the initial notice was sent;</text>
      </paragraph>
      <paragraph num="(2)">
        <text>The address to which the initial notice was sent;</text>
      </paragraph>
      <paragraph num="(3)">
        <text>The date the initial notice was sent;</text>
      </paragraph>
      <paragraph num="(4)">
        <text>The manner of service; and</text>
      </paragraph>
      <paragraph num="(5)">
        <text>The name of the person who sent the initial notice.</text>
      </paragraph>
    </paragraph>
  </regulation>
  <regulation prefix="Regulation" num=".05-1" heading="Discovery.">
    <paragraph num="A.">
      <text>By written request served on other parties and filed with the hearing officer not later than 20 days before the scheduled hearing, a party may require any other party to produce, within 15 days, for inspection or copying, any file, memorandum, correspondence, document, object, or tangible thing:</text>
      <paragraph num="(1)">
        <text>Relevant to the subject matter of the case; and</text>
      </paragraph>
      <paragraph num="(2)">
        <text>Not privileged.</text>
      </paragraph>
    </paragraph>
    <paragraph num="B.">
      <text>Unless provided by agreement of the parties, no other discovery procedure is allowed.</text>
    </paragraph>
    <paragraph num="C.">
      <text>Copies.</text>
      <paragraph num="(1)">
        <text>Copies of requested documents and records shall be made at the expense of the party making the request.</text>
      </paragraph>
      <paragraph num="(2)">
        <text>The charge for copies of requested documents and records may be waived by the custodian of the documents in accordance with State Government Article, §10-621(e), Annotated Code of Maryland, or other applicable law.</text>
      </paragraph>
    </paragraph>
    <paragraph num="D.">
      <text>Objection to Production.</text>
      <paragraph num="(1)">
        <text>A party may object to the production of a file, memorandum, correspondence, document, object, or tangible thing by filing a motion to quash discovery or for other relief.</text>
      </paragraph>
      <paragraph num="(2)">
        <text>The hearing officer, for cause shown, may issue any order that justice requires to protect the party from annoyance, embarrassment, oppression, or undue burden or expense.</text>
      </paragraph>
    </paragraph>
    <paragraph num="E.">
      <text>A party who has responded to a request for production and who obtains or discovers, before the hearing, additional files, memoranda, correspondence, documents, objects, or tangible things that are relevant to the request for production shall supplement the response to the request promptly.</text>
    </paragraph>
    <paragraph num="F.">
      <text>As sanction against a party that fails to comply with a request for production, the hearing officer, either on the hearing officer's own motion or by motion of the party requesting the production, may issue an order:</text>
      <paragraph num="(1)">
        <text>Refusing to allow the party to support or oppose designated claims or defenses;</text>
      </paragraph>
      <paragraph num="(2)">
        <text>Prohibiting the party from introducing designated matters into evidence;</text>
      </paragraph>
      <paragraph num="(3)">
        <text>Striking any allegations or charges made by the party failing to produce;</text>
      </paragraph>
      <paragraph num="(4)">
        <text>Staying further proceedings until the discovery is provided; or</text>
      </paragraph>
      <paragraph num="(5)">
        <text>Dismissing the action or any part of it.</text>
      </paragraph>
    </paragraph>
  </regulation>
  <regulation prefix="Regulation" num=".06" heading="Subpoenas.">
    <paragraph num="A.">
      <text>On request of a party, the Administration may issue subpoenas requiring the attendance and testimony of witnesses and the production, at the hearing, of any tangible items in the possession or under the control of a witness.</text>
    </paragraph>
    <paragraph num="B.">
      <text>Subpoena Requests.</text>
      <paragraph num="(1)">
        <text>A request for a subpoena shall:</text>
        <paragraph num="(a)">
          <text>Be made, in writing, to the Administration; and</text>
        </paragraph>
        <paragraph num="(b)">
          <text>Specify the:</text>
          <paragraph num="(i)">
            <text>Name and full address of the person to be subpoenaed; and</text>
          </paragraph>
          <paragraph num="(ii)">
            <text>Name, full address, and telephone number of the party requesting the subpoena.</text>
          </paragraph>
        </paragraph>
      </paragraph>
      <paragraph num="(2)">
        <text>A subpoena that requests the production of tangible items, books, papers, or other documents shall describe those items with particularity.</text>
      </paragraph>
      <paragraph num="(3)">
        <text>A subpoena request need not be served on all parties.</text>
      </paragraph>
    </paragraph>
    <paragraph num="C.">
      <text>Service of Subpoenas.</text>
      <paragraph num="(1)">
        <text>The party requesting the subpoena shall be responsible for proper service of the subpoena.</text>
      </paragraph>
      <paragraph num="(2)">
        <text>Except as provided in §C(3) of this regulation, subpoenas shall be served by hand delivery by an individual 18 years old or older who is not a party to the proceeding by delivering a copy to the person named or to an agent authorized by appointment or by law to receive service for the person named or as permitted by Rule 2-121(a)(3)of the Maryland Rules of Civil Procedure. Service of a subpoena upon a party represented by an attorney may be made by service upon the attorney under Rule 1-321(a) of the Maryland Rules of Civil Procedure.</text>
      </paragraph>
      <paragraph num="(3)">
        <text>In a case where the licensee to be served resides out of Maryland, the subpoena may be served by certified mail.</text>
      </paragraph>
    </paragraph>
    <paragraph num="D.">
      <text>Return of service shall be made by:</text>
      <paragraph num="(1)">
        <text>Affidavit, if hand delivered; or</text>
      </paragraph>
      <paragraph num="(2)">
        <text>Return receipt, if mailed.</text>
      </paragraph>
    </paragraph>
    <paragraph num="E.">
      <text>A person may object to a subpoena by filing a motion to quash or for other relief.</text>
    </paragraph>
    <paragraph num="F.">
      <text>If a request for a subpoena was filed less than 15 days before the hearing date, the hearing officer may refuse to postpone the hearing based on the party's inability to serve the subpoena.</text>
    </paragraph>
  </regulation>
  <regulation prefix="Regulation" num=".07" heading="Conduct of Hearing — In General.">
    <paragraph num="A.">
      <text>Scope. This regulation applies to all hearings except a hearing on a proposed examination report.</text>
    </paragraph>
    <paragraph num="B.">
      <text>A hearing conducted under this chapter shall be open to the public.</text>
    </paragraph>
    <paragraph num="C.">
      <text>Parties to Contested Case Proceeding.</text>
      <paragraph num="(1)">
        <text>The necessary parties to a contested case proceeding are:</text>
        <paragraph num="(a)">
          <text>The Administration;</text>
        </paragraph>
        <paragraph num="(b)">
          <text>A person against whom the Commissioner has:</text>
          <paragraph num="(i)">
            <text>Received an administrative complaint; or</text>
          </paragraph>
          <paragraph num="(ii)">
            <text>Issued a charging document, order, or notice; and</text>
          </paragraph>
        </paragraph>
        <paragraph num="(c)">
          <text>A person who requests a hearing due to being aggrieved by:</text>
          <paragraph num="(i)">
            <text>A determination made by the Commissioner; or</text>
          </paragraph>
          <paragraph num="(ii)">
            <text>Any other act of, threatened act of, or failure to act by the Commissioner.</text>
          </paragraph>
        </paragraph>
      </paragraph>
      <paragraph num="(2)">
        <text>A person who is not a necessary party under §C(1) of this regulation, including a person who submitted an administrative complaint to the Commissioner, may become a party by intervention in accordance with Insurance Article, §2-213(c), Annotated Code of Maryland.</text>
      </paragraph>
      <paragraph num="(3)">
        <text>Election by Administration Not to Participate.</text>
        <paragraph num="(a)">
          <text>The Administration may elect not to participate in all or part of a contested case proceeding by filing a notice with the hearing officer or final decision maker at any time.</text>
        </paragraph>
        <paragraph num="(b)">
          <text>The Administration may revoke an election not to participate in all or part of a contested case proceeding by filing a notice with the hearing officer or final decision maker at any time.</text>
        </paragraph>
      </paragraph>
    </paragraph>
    <paragraph num="D.">
      <text>The hearing officer shall conduct the hearing and may allow the case to proceed in a manner necessary to ensure the fair resolution of the issues including, but not limited to:</text>
      <paragraph num="(1)">
        <text>Placing reasonable limitations on the number of witnesses a party may call;</text>
      </paragraph>
      <paragraph num="(2)">
        <text>Excluding evidence which is repetitive, irrelevant, immaterial, or otherwise not probative; and</text>
      </paragraph>
      <paragraph num="(3)">
        <text>Ruling on all procedural matters, including motions, objections, and offers of proof.</text>
      </paragraph>
    </paragraph>
    <paragraph num="E.">
      <text>Formal rules of pleading or evidence need not be observed at a hearing under the provisions of this regulation.</text>
    </paragraph>
    <paragraph num="F.">
      <text>Representation of the Administration.</text>
      <paragraph num="(1)">
        <text>The Commissioner may designate an attorney to represent the Administration.</text>
      </paragraph>
      <paragraph num="(2)">
        <text>Once the record is closed by the hearing officer, the attorney who represented the Administration may not have a further role in the decision process of the Administration.</text>
      </paragraph>
    </paragraph>
    <paragraph num="G.">
      <text>Motion for Summary Decision.</text>
      <paragraph num="(1)">
        <text>A party may move for summary decision on any appropriate issue in the case.</text>
      </paragraph>
      <paragraph num="(2)">
        <text>A hearing officer may grant a proposed or final summary decision if the hearing officer finds that:</text>
        <paragraph num="(a)">
          <text>There is no genuine issue of material fact; and</text>
        </paragraph>
        <paragraph num="(b)">
          <text>A party is entitled to prevail as a matter of law.</text>
        </paragraph>
      </paragraph>
    </paragraph>
    <paragraph num="H.">
      <text>The Maryland Rules of Civil Procedure may be used as a guide for resolving issues regarding the conduct of the hearing.</text>
    </paragraph>
  </regulation>
  <regulation prefix="Regulation" num=".08" heading="Conduct of Hearing — Proposed Examination Reports.">
    <paragraph num="A.">
      <text>Scope. This regulation applies to a hearing on a proposed examination report.</text>
    </paragraph>
    <paragraph num="B.">
      <text>Burden of Proof. At a hearing under this regulation:</text>
      <paragraph num="(1)">
        <text>The proposed examination report is part of the record; and</text>
      </paragraph>
      <paragraph num="(2)">
        <text>The party that requested the hearing on the proposed examination report has the burden of going forward and the burden of proving its exceptions to the proposed examination report.</text>
      </paragraph>
    </paragraph>
    <paragraph num="C.">
      <text>Rights of Parties.</text>
      <paragraph num="(1)">
        <text>Subject to §C(2) of this regulation, the hearing officer shall allow a party to a hearing under this regulation to:</text>
        <paragraph num="(a)">
          <text>Appear in person and be represented by counsel;</text>
        </paragraph>
        <paragraph num="(b)">
          <text>Be present while evidence is given;</text>
        </paragraph>
        <paragraph num="(c)">
          <text>Have reasonable opportunity to:</text>
          <paragraph num="(i)">
            <text>Inspect all documentary evidence that is offered for introduction into the record; and</text>
          </paragraph>
          <paragraph num="(ii)">
            <text>Examine witnesses during the course of the hearing; and</text>
          </paragraph>
        </paragraph>
        <paragraph num="(d)">
          <text>Present evidence.</text>
        </paragraph>
      </paragraph>
      <paragraph num="(2)">
        <text>The hearing officer shall conduct the hearing and allow the case to proceed in a manner necessary to ensure the fair resolution of the issues including, but not limited to:</text>
        <paragraph num="(a)">
          <text>Placing reasonable limitations on the number of witnesses a party may call;</text>
        </paragraph>
        <paragraph num="(b)">
          <text>Excluding evidence that is repetitive, irrelevant, immaterial, or otherwise not probative; and</text>
        </paragraph>
        <paragraph num="(c)">
          <text>Ruling on all procedural matters, including motions, objections, and offers of proof.</text>
        </paragraph>
      </paragraph>
    </paragraph>
    <paragraph num="D.">
      <text>Formal rules of pleading or evidence need not be observed at a hearing under provisions of this regulation.</text>
    </paragraph>
    <paragraph num="E.">
      <text>Representation of the Administration.</text>
      <paragraph num="(1)">
        <text>The Commissioner may designate an attorney to represent the Administration.</text>
      </paragraph>
      <paragraph num="(2)">
        <text>Once the record is closed by the hearing officer, the attorney who represented the Administration may not have a further role in the decision process of the Administration.</text>
      </paragraph>
    </paragraph>
    <paragraph num="F.">
      <text>Motion for Summary Decision.</text>
      <paragraph num="(1)">
        <text>A party may move for summary decision on any appropriate issue in the case.</text>
      </paragraph>
      <paragraph num="(2)">
        <text>A hearing officer may grant a proposed or final summary decision if the hearing officer finds that:</text>
        <paragraph num="(a)">
          <text>There is no genuine issue of material fact; and</text>
        </paragraph>
        <paragraph num="(b)">
          <text>A party is entitled to prevail as a matter of law.</text>
        </paragraph>
      </paragraph>
    </paragraph>
    <paragraph num="G.">
      <text>The Maryland Rules of Civil Procedure may be used as a guide for resolving issues regarding the conduct of the hearing.</text>
    </paragraph>
  </regulation>
  <regulation prefix="Regulation" num=".09" heading="Postponements.">
    <paragraph num="A.">
      <text>At the discretion of the hearing officer, a hearing may be postponed if a written request for postponement is filed with the Administration or the Office not later than 15 days before the date of the hearing.</text>
    </paragraph>
    <paragraph num="B.">
      <text>A hearing may not be postponed, except for good cause, when the request for postponement is filed within 15 days of the date of the hearing.</text>
    </paragraph>
  </regulation>
  <regulation prefix="Regulation" num=".09-1" heading="Decision by an Administrative Law Judge.">
    <paragraph num="A.">
      <text>Scope. This regulation applies to a contested case where the Office has been delegated authority to conduct a contested case hearing under Regulation .04-1A of this chapter.</text>
    </paragraph>
    <paragraph num="B.">
      <text>Contents. The administrative law judge who hears a case shall submit to the Commissioner a decision that contains whichever of the following were authorized in the Commissioner's delegation of authority to the Office for the case:</text>
      <paragraph num="(1)">
        <text>Proposed or final findings of fact;</text>
      </paragraph>
      <paragraph num="(2)">
        <text>Proposed or final conclusions of law;</text>
      </paragraph>
      <paragraph num="(3)">
        <text>Proposed or final findings of fact and conclusions of law; or</text>
      </paragraph>
      <paragraph num="(4)">
        <text>A proposed or final order.</text>
      </paragraph>
    </paragraph>
    <paragraph num="C.">
      <text>Effect of Regulations, Bulletins, Final Orders, and Preexisting Policies. Except as provided in Regulation .10-2H of this chapter, in making a decision, the administrative law judge is bound by any regulation, bulletin, final order, or settled and preexisting policy of the Commissioner to the same extent that the Commissioner is or would have been bound if the Commissioner were hearing the case.</text>
    </paragraph>
    <paragraph num="D.">
      <text>Distribution of Decision. The Office shall send the administrative law judge's decision directly to the parties and the Commissioner.</text>
    </paragraph>
  </regulation>
  <regulation prefix="Regulation" num=".10" heading="Default Orders.">
    <paragraph num="A.">
      <text>This regulation does not apply to unauthorized insurers.</text>
    </paragraph>
    <paragraph num="B.">
      <text>A hearing officer may issue a default order against a party other than the Administration that, after receiving proper notice, fails to appear at a hearing if:</text>
      <paragraph num="(1)">
        <text>In a hearing arising out of a charging document, order, or notice issued by the Commissioner, the party failing to appear is the person against whom the charging document, order, or notice was issued;</text>
      </paragraph>
      <paragraph num="(2)">
        <text>In a hearing arising out of a determination involving an administrative complaint, the party failing to appear is a necessary party under Regulation .07C of this chapter; or</text>
      </paragraph>
      <paragraph num="(3)">
        <text>In any other contested case hearing, the party failing to appear is the person that requested the hearing.</text>
      </paragraph>
    </paragraph>
    <paragraph num="C.">
      <text>In a hearing arising out of a charging document, order, or notice issued by the Administration, the default order shall:</text>
      <paragraph num="(1)">
        <text>State the facts supporting the finding of proper notice to the person against whom the charging document, order, or notice was issued;</text>
      </paragraph>
      <paragraph num="(2)">
        <text>Adopt the facts and violations of law as alleged by the Administration in its charging document, order, or notice as if by admission of the person against whom the charging document, order or notice was issued; and</text>
      </paragraph>
      <paragraph num="(3)">
        <text>Adopt the sanction requested by the Administration at the hearing.</text>
      </paragraph>
    </paragraph>
    <paragraph num="D.">
      <text>In a hearing arising out of a determination, including a determination involving an administrative complaint, the hearing officer shall:</text>
      <paragraph num="(1)">
        <text>If the nondefaulting party is requesting that the determination be upheld, issue a default order that:</text>
        <paragraph num="(a)">
          <text>States the facts supporting the finding of proper notice to the party failing to appear; and</text>
        </paragraph>
        <paragraph num="(b)">
          <text>Upholds the determination; or</text>
        </paragraph>
      </paragraph>
      <paragraph num="(2)">
        <text>If the nondefaulting party is requesting that the determination be reversed or modified:</text>
        <paragraph num="(a)">
          <text>Allow the party to present its case as to why the determination should be reversed or modified; and</text>
        </paragraph>
        <paragraph num="(b)">
          <text>Issue a default order that:</text>
          <paragraph num="(i)">
            <text>States the facts supporting the finding of proper notice to the party failing to appear;</text>
          </paragraph>
          <paragraph num="(ii)">
            <text>Makes any appropriate findings of fact or law; and</text>
          </paragraph>
          <paragraph num="(iii)">
            <text>Orders relief as appropriate under the relevant provisions of the Health-General Article or Insurance Article, Annotated Code of Maryland.</text>
          </paragraph>
        </paragraph>
      </paragraph>
    </paragraph>
    <paragraph num="E.">
      <text>In a hearing on a proposed examination report, the default order shall:</text>
      <paragraph num="(1)">
        <text>State the facts supporting the finding of proper notice to the person that was examined;</text>
      </paragraph>
      <paragraph num="(2)">
        <text>Adopt the facts and violations of law as alleged by the Administration in the proposed examination report as if by admission of the person that was examined; and</text>
      </paragraph>
      <paragraph num="(3)">
        <text>Adopt the sanctions included with the proposed examination report.</text>
      </paragraph>
    </paragraph>
    <paragraph num="F.">
      <text>The hearing officer shall serve the default order directly on the parties by certified mail.</text>
    </paragraph>
    <paragraph num="G.">
      <text>Within 15 days after service of a default order, the party in default may submit to the hearing officer a written motion:</text>
      <paragraph num="(1)">
        <text>Requesting that the default order be vacated or modified; and</text>
      </paragraph>
      <paragraph num="(2)">
        <text>Stating the grounds for the request.</text>
      </paragraph>
    </paragraph>
    <paragraph num="H.">
      <text>If the hearing officer finds that there is:</text>
      <paragraph num="(1)">
        <text>Good cause to excuse the default, the hearing officer may:</text>
        <paragraph num="(a)">
          <text>Vacate or modify the default order, and</text>
        </paragraph>
        <paragraph num="(b)">
          <text>Schedule the case for further appropriate proceedings; or</text>
        </paragraph>
      </paragraph>
      <paragraph num="(2)">
        <text>Not good cause to excuse the default, the Commissioner shall:</text>
        <paragraph num="(a)">
          <text>Deny the motion, and</text>
        </paragraph>
        <paragraph num="(b)">
          <text>Affirm the default order as the final order.</text>
        </paragraph>
      </paragraph>
    </paragraph>
  </regulation>
  <regulation prefix="Regulation" num=".10-1" heading="Exceptions.">
    <paragraph num="A.">
      <text>Scope. This regulation applies to a contested case where the Office has been delegated authority to issue proposed findings of fact, proposed conclusions of law, or a proposed order.</text>
    </paragraph>
    <paragraph num="B.">
      <text>On receipt of a decision that contains proposed findings of fact, proposed conclusions of law, or a proposed order, the parties affected have:</text>
      <paragraph num="(1)">
        <text>20 days after receipt to file exceptions to the proposed findings of fact, proposed conclusions of law, or proposed order with the Commissioner; or</text>
      </paragraph>
      <paragraph num="(2)">
        <text>10 days to:</text>
        <paragraph num="(a)">
          <text>File a written request for a transcript with the Commissioner in order to file exceptions; or</text>
        </paragraph>
        <paragraph num="(b)">
          <text>File with the Commissioner a copy of that party's written request to its private stenographer for the party's preparation of a transcript based on its own record of the testimony in order to file exceptions.</text>
        </paragraph>
      </paragraph>
    </paragraph>
    <paragraph num="C.">
      <text>Receipt under §B of this regulation is presumed to occur 3 days after the mailing of the proposed findings of fact, proposed conclusions of law, or a proposed order.</text>
    </paragraph>
    <paragraph num="D.">
      <text>Filing Exceptions After Receipt of Transcript.</text>
      <paragraph num="(1)">
        <text>If a party requests a transcript under §B(2) of this regulation, the party shall have 30 days after the filing of the transcript to file exceptions with the Commissioner.</text>
      </paragraph>
      <paragraph num="(2)">
        <text>Unless extended by order of the Commissioner, the party requesting the transcript shall file the transcript with the Commissioner within 60 days after the date on which the transcript was requested.</text>
      </paragraph>
    </paragraph>
    <paragraph num="E.">
      <text>Exceptions shall be in writing unless specified otherwise by the final decision maker.</text>
    </paragraph>
    <paragraph num="F.">
      <text>If a party elects not to file exceptions, another party may not raise the defense of failure to exhaust this administrative remedy on appeal to circuit court.</text>
    </paragraph>
    <paragraph num="G.">
      <text>The record before the Commissioner for the exceptions shall consist of:</text>
      <paragraph num="(1)">
        <text>The administrative law judge's findings and conclusions, including the findings of fact, conclusions of law, and proposed order;</text>
      </paragraph>
      <paragraph num="(2)">
        <text>Any exceptions filed by a party;</text>
      </paragraph>
      <paragraph num="(3)">
        <text>Any response to exceptions filed by a party;</text>
      </paragraph>
      <paragraph num="(4)">
        <text>Any evidence submitted by a party;</text>
      </paragraph>
      <paragraph num="(5)">
        <text>Notice to the parties of the hearing;</text>
      </paragraph>
      <paragraph num="(6)">
        <text>Any documentary evidence admitted into evidence by the administrative law judge; and</text>
      </paragraph>
      <paragraph num="(7)">
        <text>The transcript of the hearing before the administrative law judge, if requested and filed by one of the parties or the Commissioner.</text>
      </paragraph>
    </paragraph>
    <paragraph num="H.">
      <text>Transcripts.</text>
      <paragraph num="(1)">
        <text>A party who desires to have the transcript made part of the record shall, at the party's own expense, file three copies of the transcript, or its relevant portions, with the Commissioner on receipt of the transcript.</text>
      </paragraph>
      <paragraph num="(2)">
        <text>If a transcript has already been prepared, the Commissioner shall make the transcript part of the record in the contested case.</text>
      </paragraph>
      <paragraph num="(3)">
        <text>If a transcript is prepared based on the Office's record of the testimony and a transcript is prepared based on a party's own record of the testimony, the transcript based on the Office's record of the testimony is:</text>
        <paragraph num="(a)">
          <text>The official transcript; and</text>
        </paragraph>
        <paragraph num="(b)">
          <text>Controlling in the event of any conflict between the two transcripts.</text>
        </paragraph>
      </paragraph>
      <paragraph num="(4)">
        <text>If the transcript is not filed or otherwise made part of the record in the contested case, parties may not refer in their exceptions to any testimony before the administrative law judge not incorporated into the administrative law judge's findings and conclusions.</text>
      </paragraph>
      <paragraph num="(5)">
        <text>If all parties agree that the questions presented for review to the final decision maker can be determined without an examination of the entire transcript, the parties may file a statement showing how the questions arose and setting forth the facts or allegations that are essential to a determination of those issues.</text>
      </paragraph>
    </paragraph>
  </regulation>
  <regulation prefix="Regulation" num=".10-2" heading="Final Order following Proposed Decision.">
    <paragraph num="A.">
      <text>Scope. This regulation applies to a contested case where the Office has been delegated authority to issue proposed findings of fact, proposed conclusions of law, or a proposed order.</text>
    </paragraph>
    <paragraph num="B.">
      <text>Issuance. After consideration of the administrative law judge's proposed findings of fact, proposed conclusions of law, or proposed order, and any exceptions filed by the parties, the Commissioner shall issue a final order or a remand order.</text>
    </paragraph>
    <paragraph num="C.">
      <text>Effect of Proposed Findings of Fact, Proposed Conclusions of Law, and Proposed Order. In reviewing the administrative law judge's proposed findings of fact, proposed conclusions of law, or proposed order, the Commissioner is:</text>
      <paragraph num="(1)">
        <text>Bound by the findings of fact that are supported by competent, material, and substantial evidence; and</text>
      </paragraph>
      <paragraph num="(2)">
        <text>Not bound by any legal analysis, proposed conclusions of law, or proposed order.</text>
      </paragraph>
    </paragraph>
    <paragraph num="D.">
      <text>Types of Action by the Commissioner. The Commissioner may affirm, reverse, or modify the proposed findings of fact, proposed conclusions of law, or proposed order, or remand the case to the Office for further proceedings by setting forth, with particularity, the basis for the Commissioner's reversal, modification, or remand.</text>
    </paragraph>
    <paragraph num="E.">
      <text>Procedure When Case Remanded. If the Commissioner remands the case for further proceedings, the Commissioner may:</text>
      <paragraph num="(1)">
        <text>Refer the case back to the Office; or</text>
      </paragraph>
      <paragraph num="(2)">
        <text>Retain the case to be heard by the Commissioner.</text>
      </paragraph>
    </paragraph>
    <paragraph num="F.">
      <text>Rehearing. The Commissioner may, on the Commissioner's own motion, hold a rehearing.</text>
    </paragraph>
    <paragraph num="G.">
      <text>Service of Order. The Commissioner shall serve a copy of the final order or remand order on the parties, the parties' attorneys of record, and the Office by first-class mail.</text>
    </paragraph>
    <paragraph num="H.">
      <text>Effect of Summary Affirmance.</text>
      <paragraph num="(1)">
        <text>If the Commissioner issues a final order that summarily affirms the proposed order of an administrative law judge without discussing the facts and legal issues and without expressly adopting the administrative law judge's legal analysis and proposed conclusions of law, neither the final order nor the proposed order is precedent within the rule of stare decisis.</text>
      </paragraph>
      <paragraph num="(2)">
        <text>Notwithstanding §H(1) of this regulation, a final order of the Commissioner that summarily affirms the proposed order of an administrative law judge without discussing the facts and legal issues and without expressly adopting the administrative law judge's legal analysis and proposed conclusions of law may be cited and relied on in a proceeding before the Commissioner, the Office, or a court:</text>
        <paragraph num="(a)">
          <text>When relevant under the doctrine of the law of the case, res judicata, or collateral estoppel; or</text>
        </paragraph>
        <paragraph num="(b)">
          <text>In any subsequent disciplinary proceeding involving a party to the final order.</text>
        </paragraph>
      </paragraph>
      <paragraph num="(3)">
        <text>Subject to Insurance Article, §2-215(g), Annotated Code of Maryland, if a party appeals from a final order of the Commissioner that summarily affirms the proposed order of an administrative law judge, in addition to filing the final order of the Commissioner with the court in which the appeal is pending, the Commissioner also shall file a copy of the proposed order of the administrative law judge.</text>
      </paragraph>
    </paragraph>
  </regulation>
  <regulation prefix="Regulation" num=".11" heading="Relief Granted in the Final Order.">
    <paragraph num="A.">
      <text>A licensee may not be subject to an administrative penalty or to the suspension or revocation of any certificate, license, registration, or special permit held by the licensee unless a notice of agency action under State Government Article, §10-207, Annotated Code of Maryland, is issued by the Administration to the licensee.</text>
    </paragraph>
    <paragraph num="B.">
      <text>In the final order issued pursuant to a hearing arising out of a determination involving an administrative complaint, the hearing officer may order relief as appropriate under the relevant provisions of Health-General Article or Insurance Article, Annotated Code of Maryland.</text>
    </paragraph>
    <paragraph num="C.">
      <text>A final order from a hearing arising out of a determination involving an administrative complaint that results in a finding against a licensee does not bar the Commissioner from subsequently issuing a notice of agency action against the licensee for the purpose of imposing an administrative penalty or suspending or revoking any certificate, license, registration, or special permit held by the licensee.</text>
    </paragraph>
  </regulation>
  <regulation prefix="Regulation" num=".12" heading="Decisions.">
    <text>The hearing officer shall sign the final order following a hearing. The final order is effective when issued, unless a different date is specified in the decision. A copy of the final order shall be filed with the Administration and served on all parties to the hearing.</text>
  </regulation>
  <regulation prefix="Regulation" num=".13" heading="Rehearings.">
    <paragraph num="A.">
      <text>A request for a rehearing shall be made in writing to:</text>
      <paragraph num="(1)">
        <text>The Commissioner in a contested case heard by the Administration;</text>
      </paragraph>
      <paragraph num="(2)">
        <text>The Commissioner in a contested case where the Office has been delegated authority to hear the contested case but the Commissioner has retained authority to issue the final order; or</text>
      </paragraph>
      <paragraph num="(3)">
        <text>The administrative law judge in a contested case where the Office has been delegated authority to issue a final order.</text>
      </paragraph>
    </paragraph>
    <paragraph num="B.">
      <text>If the request is made:</text>
      <paragraph num="(1)">
        <text>Within 10 days after the issuance of the final order, the request may be granted by the Commissioner or administrative law judge for any reason;</text>
      </paragraph>
      <paragraph num="(2)">
        <text>More than 10 days after the issuance of the final order, the request may be granted only on a determination by the Commissioner or administrative law judge that the final order was a result of fraud, mistake, or inadvertence; or</text>
      </paragraph>
      <paragraph num="(3)">
        <text>More than 30 days after the issuance of the final order, the request may not be granted.</text>
      </paragraph>
    </paragraph>
  </regulation>
  <regulation prefix="Regulation" num=".14" heading="Mistake or Error in the Final Order.">
    <text>The Administration or the Office may correct an order if, upon review, the final order was issued as a result of fraud, mistake, or inadvertence or contains a clerical error.</text>
  </regulation>
  <annotations>
    <annotation type="Authority">Insurance Article, §§2-109 and 2-205—2-215; State Government Article, §10-206; Annotated Code of Maryland</annotation>
    <annotation type="History" subtype="Administrative History">Effective date: June 2, 1997 (24:11 Md. R. 793)</annotation>
    <annotation type="History" subtype="Administrative History">Regulation .03 amended as an emergency provision effective July 1, 1997 (24:17 Md. R. 1213); amended permanently effective November 17, 1997 (24:23 Md. R. 1610)</annotation>
    <annotation type="History" subtype="Administrative History">Regulation .08 amended as an emergency provision effective April 13, 1998 (25:10 Md. R. 742); emergency status expired October 10, 1998</annotation>
    <annotation type="History" subtype="Administrative History">Chapter recodified from COMAR 09.31.18 to COMAR 31.02.01 effective September 7, 1998 (25:18 Md. R. 1439)</annotation>
    <annotation type="History" subtype="Administrative History">Chapter revised effective February 4, 2002 (29:2 Md. R. 95)</annotation>
    <annotation type="History" subtype="Administrative History">Regulation .05D amended effective October 10, 2005 (32:20 Md. R. 1657)</annotation>
    <annotation type="History" subtype="Administrative History">Regulation .05-1 adopted effective October 10, 2005 (32:20 Md. R. 1657)</annotation>
    <annotation type="History" subtype="Administrative History">Chapter revised effective May 8, 2006 (33:9 Md. R. 797)</annotation>
    <annotation type="History" subtype="Administrative History">Regulation .02B amended effective February 1, 2016 (43:2 Md. R. 128)</annotation>
    <annotation type="History" subtype="Administrative History">Regulation .03C amended effective October 9, 2006 (33:20 Md. R. 1618)</annotation>
    <annotation type="History" subtype="Administrative History">Regulation .05 amended effective January 29, 2007 (34:2 Md. R. 139)</annotation>
    <annotation type="History" subtype="Administrative History">Regulation .06C amended effective October 21, 2019 (46:21 Md. R. 894)</annotation>
    <annotation type="History" subtype="Administrative History">Regulation .07 amended effective October 21, 2019 (46:21 Md. R. 894)</annotation>
    <annotation type="History" subtype="Administrative History">Regulation .08 amended effective October 21, 2019 (46:21 Md. R. 894)</annotation>
  </annotations>
</chapter>