Which action is NOT one that the Commissioner may take against a violator?

• A. Revoke his license in every state
• B. Impose civil penalties
• C. Request additional documentation
• D. Limit future license applications

Answer: (A)

The action that is not within the Commissioner's authority is to revoke a violator's license in every state. Typically, the Commissioner can only take action within their own jurisdiction, which, in this case, is North Carolina. License revocation is typically managed by the licensing authority in each specific state, meaning that the Commissioner can only revoke a license issued by North Carolina and has no jurisdiction over licenses issued in other states.

The other options represent actions that the Commissioner is empowered to take in response to violations. Imposing civil penalties is a common regulatory response to violations, enabling the Commissioner to enforce compliance through financial consequences. Requesting additional documentation is also a standard practice when reviewing a case for compliance or potential violation, allowing for further assessment of the situation. Limiting future license applications can be a way to prevent a violator from easily returning to the mortgage industry, ensuring that the regulatory body maintains oversight over those who have previously violated laws or regulations.