In which situation can the Commissioner suspend a permanent license without a hearing?

The situation in which the Commissioner can suspend a permanent license without a hearing relates specifically to the violation of certain regulations set forth in the California Insurance Code. Under specific circumstances, the Commissioner has the authority to take immediate action to protect public interest when violations are detected.

In particular, the option regarding the client co-signing a loan is most relevant here. If a licensee is found to be engaging in practices that compromise ethical standards or are in direct violation of the insurance code, such as involving clients in unauthorized loan arrangements, the Commissioner may decide that immediate suspension of the license is necessary to prevent further risk to the public.

The other scenarios do not pertain directly to the immediate suspension of a license without a hearing. Missing records might indicate a compliance issue, but it does not automatically trigger a suspension; instead, it typically requires the broker to rectify the situation. A violation of the insurance code certainly could lead to disciplinary action, but such actions often involve hearings to assess the severity and context of the violation.

Understanding these nuances is important for recognizing the scope of the Commissioner's authority and the importance of ethical standards in maintaining a license in the insurance field.