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Under the Pennsylvania Unfair Insurance Practices Act, what enforcement order may the PA Insurance Commissioner issue against a person engaged in a defined unfair insurance practice?

AA criminal indictment
BA consumer class action complaint
A cease and desist order
DA federal injunction

Why this is the answer

Under 40 P.S. § 1171.9, after a hearing the PA Insurance Commissioner may issue a cease and desist order against any person found to be engaging in an unfair method of competition or unfair or deceptive act or practice defined in the Unfair Insurance Practices Act. The Commissioner is an administrative regulator, not a prosecutor or federal court, so criminal indictments and federal injunctions are outside the statutory authority. Private class actions are filed by consumers.

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