State RegulationsGA specificDifficulty 2/5
The Georgia Insurance Commissioner suspects that a producer obtained a license through material misrepresentation in the application. Before the license can be suspended or revoked, what must occur?
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Answer & full 3-part explanation (select an option above, or peek)
Why D is correct
Under Georgia law, disciplinary action against a license — including suspension or revocation for obtaining the license by misrepresentation — may be taken by the Insurance Commissioner only after the licensee is given notice and an opportunity for a hearing, consistent with the hearing requirement reflected in O.C.G.A. § 33-6-9. The criminal process runs separately and is not a precondition to losing the license.
Why the other options are wrong
- A) A criminal felony conviction is not a prerequisite; the Commissioner can suspend or revoke the license through the administrative notice-and-hearing process alone.
- B) Suspension does not occur automatically on mere suspicion — due process requires notice and a hearing before the license is taken away.
- C) Disciplinary authority rests with the Insurance Commissioner; an insurer complaint may prompt review but a notarized insurer filing is not what authorizes discipline.
Memory hook
No hearing, no discipline — Georgia due process comes first.