State RegulationsOH specificDifficulty 1/5
Under ORC 3901.221 and ORC 3905.14(H), who may issue a cease-and-desist order to stop an unfair or deceptive insurance practice in Ohio, and upon what process?
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Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
Under ORC 3901.221 and ORC 3905.14(H), cease-and-desist authority rests with the superintendent, who may act only after providing notice and an opportunity for a hearing. The process requirement ensures the target can contest the allegations before being ordered to stop, and the resulting order is enforceable in court if disobeyed.
Why the other options are wrong
- B) The Governor has no direct cease-and-desist role in Ohio insurance enforcement; the superintendent holds that power.
- C) A county probate court does not issue insurance cease-and-desist orders; enforcement runs through the superintendent and the courts under ORC 3901.22.
- D) An insurer's internal compliance process cannot substitute for the superintendent's order, which is a sovereign enforcement act.
Memory hook
Only the superintendent says cease — and only after notice.