Transacting insurance without a license: misdemeanor, fine up to $50,000, up to 1 year in county jail, or both (§1633).

Unfair practice under §790.03: civil penalty up to $5,000 per act, or up to $10,000 per act if willful (§790.035).

Violating a final cease and desist order: up to $5,000, or up to $55,000 if willful, plus the underlying penalty; a later violation can bring suspension or revocation for up to 1 year (§790.07).

Misrepresentation or twisting (§780, §781): fine up to $25,000 (or up to 3 times the victim's loss if the loss exceeds $10,000), up to 1 year in county jail, or both (§782). The Commissioner may also suspend the agent's license for up to 3 years (§783).

Replacement rule violations and annuity suitability violations: an agent faces at least $1,000 for a first violation, and $5,000 to $50,000 per violation for a repeat or knowing violation; an insurer faces $10,000 for a first violation and $30,000 to $300,000 for a general business practice or knowing violation; licenses can be suspended or revoked after a hearing (§10509.9).

Senior insurance article violations: the same agent and insurer amounts, and the Commissioner may require rescission of the contract (§789.3).

Refusing to hand over books, records or assets after the Commissioner's seizure order: misdemeanor, fine up to $1,000, up to 1 year in jail, or both (§1013).

Acting for a nonadmitted insurer (unless a surplus line broker): misdemeanor, plus forfeiture of $500 and $100 for each month the violation continues (§703).