Maryland Financial Institutions Section 11-608
§ 11-608.
  (a)   If the Commissioner denies an application, the Commissioner:
    (1)   Within 10 days, shall notify the applicant, in writing, of the denial;
    (2)   Shall refund the license fee; and
    (3)   Shall keep the investigation fee.
  (b)   Within 30 days after the Commissioner denies an application, the Commissioner shall:
    (1)   Issue a written decision containing the specific factual findings and conclusions of law on which the denial was based;
    (2)   Send a copy of the written decision by certified mail to the applicant; and
    (3)   Advise the applicant by certified mail of the applicant's right to a hearing to be held in accordance with the Administrative Procedure Act.
  (c)   An applicant who seeks a hearing on an application denial shall file with the Commissioner's office a written request for a hearing within 45 days after receipt of the Commissioner's written decision and notice of the applicant's right to a hearing.