After notice and a hearing, the department finds that a licensed Texas agency violated the Insurance Code but decides not to revoke its license. Which of the following is available to the Commissioner under TIC 82.052?
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Answer & full 3-part explanation (select an option above, or peek)
Why D is correct
Under TIC 82.052, in addition to cancelling or revoking an authorization under TIC 82.051, the commissioner may suspend the authorization for a specified time not to exceed one year; order the holder to cease and desist from the violating activity or from the failure to comply; direct payment of an administrative penalty under Chapter 84; direct restitution under TIC 82.053; or take any combination of those actions. The phrase any combination is the exam point: these sanctions are not mutually exclusive alternatives, so a suspension can be stacked with a cease and desist order and restitution.
Why the other options are wrong
- A) Suspension for up to one year is expressly authorized by TIC 82.052, not merely a reprimand.
- B) No court order is needed to suspend an authorization; the commissioner may do so administratively.
- C) Revocation is not the only option; TIC 82.052 lists additional sanctions that may be used instead of or alongside it.
Memory hook
Chapter 82 sanctions stack: suspend, cease, penalty, restitution, any combination.