(a) It is a fraudulent insurance act for a person to act as or represent to the public that the person is: (1) an insurance producer or a public adjuster in the State if the person has not received the appropriate license under or otherwise complied with Title 10 of this article; (2) a navigator of the Small Business Health Options Program of the Maryland Health Benefit Exchange if the person has not received the appropriate license under or otherwise complied with § 31-112 of this article; (3) a navigator of the Individual Exchange of the Maryland Health Benefit Exchange if the person has not received the appropriate certification under or otherwise complied with § 31-113 of this article; or (4) an application counselor certified by the Individual Exchange of the Maryland Health Benefit Exchange if the person has not received the appropriate certification under or otherwise complied with § 31-113(r) of this article. (b) It is a fraudulent insurance act for an insurance producer: (1) to solicit or take application for, procure, or place for others insurance for which the insurance producer has not obtained an appropriate license; (2) knowingly to violate § 10-130 of this article; or (3) intentionally to fail to report to an insurer the exact amount of consideration charged as a premium for an insurance contract, if different from the policy premium, and to fail to maintain records that show that information.
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