Section 27-405 - Representations to public by unlicensed persons(a) It is a fraudulent insurance act for a person to act as or represent to the public that the person is: (1) an insurance producer or a public adjuster in the State if the person has not received the appropriate license under or otherwise complied with Title 10 of this article;(2) a navigator of the Small Business Health Options Program of the Maryland Health Benefit Exchange if the person has not received the appropriate license under or otherwise complied with § 31-112 of this article;(3) a navigator of the Individual Exchange of the Maryland Health Benefit Exchange if the person has not received the appropriate certification under or otherwise complied with § 31-113 of this article; or(4) an application counselor certified by the Individual Exchange of the Maryland Health Benefit Exchange if the person has not received the appropriate certification under or otherwise complied with § 31-113(r) of this article.(b) It is a fraudulent insurance act for an insurance producer: (1) to solicit or take application for, procure, or place for others insurance for which the insurance producer has not obtained an appropriate license;(2) knowingly to violate § 10-130 of this article; or(3) intentionally to fail to report to an insurer the exact amount of consideration charged as a premium for an insurance contract, if different from the policy premium, and to fail to maintain records that show that information.Amended by 2013 Md. Laws, Ch. 159,Sec. 2, eff. 7/1/2013.