Maryland Code, Insurance § 26-205

(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.

(1) retain $50 of the application fee paid by the applicant; and

(2) return the balance of the application fee to the applicant.