Which of the following actions can the commissioner take against someone committing unfair acts?

The commissioner has the authority to issue cease and desist orders as a response to individuals or entities engaging in unfair practices within the insurance industry. This allows the commissioner to mandate that the offending party immediately stop the unfair act, thus protecting consumers and maintaining the integrity of the insurance market. Cease and desist orders are a critical regulatory tool, enabling the commissioner to respond swiftly to violations and preventing further harm to policyholders.

While other actions might seem relevant, they do not specifically address the immediate need to stop unfair practices. For instance, issuing an insurance policy or providing a warning would not directly halt ongoing unfair acts. The action of ordering someone to pay back premiums could be part of a broader remedy but does not address the immediate concern of preventing further violations. Through cease and desist orders, the commissioner can effectively manage the situation, ensuring compliance with laws and regulations governing fair practices in insurance.