The Commissioner may:

The Commissioner has the authority to conduct investigations and subpoena witnesses whenever deemed necessary as part of their regulatory role. This power is crucial for ensuring compliance with insurance laws and regulations. The ability to investigate can include examining insurance practices, investigating complaints, and ensuring that agents and companies are operating within the legal frameworks established by state law.

Subpoenaing witnesses is an important tool that allows the Commissioner to gather pertinent information and testimonies. This capability ensures that the investigations can be thorough and comprehensive, allowing the Commissioner to collect evidence or insights that may not be voluntarily provided. This power serves to uphold the integrity of the insurance industry and protects consumers by ensuring that issues can be adequately addressed.

In contrast, the other options suggest limitations on the Commissioner’s investigative authority that do not align with the responsibilities assigned to them. For example, conducting investigations only through the state attorney general, not being able to subpoena witnesses, or limiting investigations to only those seeking licenses would hinder the effective oversight and regulatory functions essential to the role. These limitations could compromise the ability to enforce insurance laws and protect consumers adequately.