Md. Code, Ins. § 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.