State RegulationsTN specificDifficulty 2/5
The Tennessee Department of Commerce & Insurance has received evidence suggesting that a producer engaged in conduct that violates a licensing provision. Before disciplinary action such as revocation can be based on that conduct, what does the hearing process under T.C.A. § 56-6-112 provide?
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Answer & full 3-part explanation (select an option above, or peek)
Why B is correct
T.C.A. § 56-6-112 establishes the hearing framework through which the Commissioner of the Tennessee Department of Commerce & Insurance decides licensing matters. The hearing is the licensee's protected opportunity to respond to the alleged violation — to present evidence and be heard — before the Commissioner enters an order imposing discipline. This process requirement is what makes the department's disciplinary action an adjudication rather than an unreviewed command.
Why the other options are wrong
- A) Discipline does not attach automatically on receipt of evidence; the hearing stage exists precisely so the licensee can respond first.
- C) A producer's license is a state credential; the insurers that appointed her cannot decide whether the state revokes it.
- D) The department can proceed on the evidence before it; corroboration by additional complainants is not a prerequisite to a hearing.
Memory hook
Accused producers get to be heard before the axe falls — the hearing comes before the order.