§ 163-c. Revocation of certificates. 1. The commissioner shall at any
time have the power to withhold, suspend or revoke any license or
certificate for sufficient cause, including the dissemination of false
or misleading advertising, or the engaging in fraudulent or deceptive
business practices, all of which are hereby declared to be unlawful, or
any violation of this chapter or non-conformity with any rules or
regulation promulgated thereunder. Before withholding, suspending or
revoking any license or certificate, the commissioner shall give written
notice to the applicant for or holder of such license or certificate,
stating that he contemplates the withholding, suspending or revocation,
of same and giving his reasons therefor. Said notice shall appoint a
time of hearing before said commissioner and shall be mailed by
registered mail or certified mail to the party holding the license or
certificate. On the day of hearing, the respondent may present such
evidence to the commissioner as he deems fit, and after hearing all the
testimony, the commissioner shall decide the question in such manner as
to him appears just and proper. The respondent, if he feels aggrieved at
the decision of the commissioner, may appeal to the commissioner for a
review of said decision within ten days, and in case of his failure to
request such review the decision shall become final unless within thirty
days after its issuance the respondent shall institute a special
proceeding for the review thereof, as provided in article seventy-eight
of the civil practice law and rules.

2. The word "fraudulent" as used herein shall include any device,
scheme or artifice to defraud and any deception, misrepresentation,
concealment, suppression, false premise, false promise or unconscionable
contractual provision.