Maryland Commercial Law Section 12-703

      (a)      If a complaint for violation of any provisions of this subtitle is filed with the Commissioner, the Commissioner shall investigate the complaint and may hold a hearing on it in accordance with the Administrative Procedure Act.

      (b)      The Commissioner shall give to the creditor complained against at least 10 days written notice of the complaint and the time and place of any hearing. The notice shall be in writing and sent by registered or certified mail to his principal place of business.

      (c)      (1)      If, after the hearing, the Commissioner finds that the creditor has engaged or is engaging in any act or practice prohibited by this subtitle, he shall order the creditor to cease and desist from the act or practice.

            (2)      The order of the Commissioner shall comply with the Administrative Procedure Act.

      (d)      (1)      If no appeal is filed, the order becomes final after expiration of the time allowed by the Administrative Procedure Act for appeals from the Commissioner's orders.

            (2)      If an appeal is filed, the order becomes final after final decision of the court affirming the order or dismissing the appeal.