Maryland Insurance Section 26-205

      (a)      Within a reasonable time after an application for a license is filed, the Commissioner shall issue a license to the applicant unless:

            (1)      the applicant has not met all of the requirements of this title;

            (2)      in the judgment of the Commissioner, the applicant does not have sufficient financial responsibility to engage in the business of a motor club; or

            (3)      the applicant has failed to make a reasonable showing that all of its owners, managers, officers, directors, or representatives are persons of reliability and integrity.

      (b)      If the Commissioner disapproves the application for a license, the Commissioner shall notify the applicant as soon as practicable of the reason for the disapproval and inform the applicant of its right to a hearing on the matter as provided in § 26-209 of this subtitle.

      (c)      If an application for a license filed under this subtitle is disapproved, the Commissioner shall:

            (1)      retain $50 of the application fee paid by the applicant; and

            (2)      return the balance of the application fee to the applicant.