Maryland Code, Financial Institutions § 11-608

(1) Within 10 days, shall notify the applicant, in writing, of the denial; and

(2) Shall keep the license fee and the investigation fee.

(1) Issue a written decision containing the specific factual findings and conclusions of law on which the denial was based;

(2) Send a copy of the written decision by certified mail to the applicant; and

(3) Advise the applicant by certified mail of the applicant's right to a hearing to be held in accordance with the Administrative Procedure Act.  1