If an insurer uses a form which becomes effective under a file and use method and the form is found by the Commissioner to be noncompliant, the Commissioner may: Disapprove the form by: Giving notice of the disapproval; Showing cause for the disapproval; and Stating the effective date of the disapproval in the notice; and Impose a penalty as provided under Insurance Article, §4-113, Annotated Code of Maryland. The Commissioner may remove file and use authority from an insurer upon a finding that the insurer has made inappropriate or noncompliant filings under this method with such frequency as to constitute a business practice.