If an application that otherwise complies with the law and these regulations is insufficient to enable the Commissioner to make the findings required by Insurance Code Section 839 and, if in the Commissioner's discretion the Commissioner so determines and requires, the findings (affirmative or negative) authorized by Section 839.1 ibid., the Commissioner will notify applicant in writing of the Commissioner's objections. If they are not cured by supplement or amendment within a reasonable time, the Commissioner will deny the application and notify applicant in writing of the Commissioner's decision. (Sections 839, 839.1)
Cal. Code Regs. Tit. 10, § 2603.20