State RegulationsFL specificDifficulty 2/5
An agent receives repeated written requests from DFS for records in an investigation of a complaint and simply never responds. Under Florida law, the failure to respond is
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Answer & full 3-part explanation (select an option above, or peek)
Why D is correct
Under Chapter 626, Florida Statutes, licensees must cooperate with DFS investigations, and refusing or willfully failing to respond to the Department's requests is itself misconduct. DFS may treat the non-response as an independent ground to suspend, revoke, or otherwise act against the agent's license, separate from whatever the underlying complaint produces.
Why the other options are wrong
- A) Administrative consequences do not depend on private litigation; DFS may act entirely on its own authority.
- B) Appointment changes are commercial decisions by insurers; they are not the statutory sanction for non-cooperation.
- C) The guaranty association pays claims of insolvent insurers; it has no role in disciplining agents.
Memory hook
Silence to DFS is its own offense.