If Emery receives notice of disciplinary action and does not request a hearing, what happens?

When Emery receives notice of disciplinary action and chooses not to request a hearing, a final order will be entered against him. This occurs because failing to respond to the notice or to request a hearing means that Emery does not contest the allegations being brought against him. As a result, the regulatory authority can proceed to finalize the order without Emery's input.

In this context, a final order can include various outcomes such as penalties, sanctions, or other disciplinary measures as determined by the authority overseeing the conduct of mortgage loan originators. The process is designed to ensure accountability and compliance with established regulations governing mortgage practices.