Section 154.04 - Complaints, Disclosures, Investigations and Examinations(1)Complaints. alleging a Carrier's noncompliance with State Mental Health Parity Laws and/or Federal Mental Health Parity Law may be submitted verbally or in writing to the Division of Insurance for its review.(2)Disclosures. Carriers shall provide each subscriber household with a written notice in a form approved by the Commissioner which sets forth in clear language covered persons' rights under State Mental Health Parity Laws and Federal Mental Health Parity Law.(3)Investigation. The Commissioner shall review all complaints made against a Carrier or any subcontracting entity to which the Carrier has delegated administrative or other functions alleging noncompliance with State Mental Health Parity Laws and Federal Mental Health Parity Law and may at any time initiate an investigation into the practices of a Carrier.(4)Examination. The Commissioner may initiate an Examination at any time to review the operations of any Carrier when, in the opinion of the Commissioner, a carrier or any subcontracting entity to which the Carrier has delegated administrative or other functions may be engaging in or has engaged in a pattern of noncompliance with State Mental Health Parity Laws or Federal Mental Health Parity Law. The Examination shall be conducted pursuant to the Commissioner's examination authority under M.G.L. c. 175, § 4; M.G.L. c. 176G, § 10; and any other applicable law.