Which action can the Commissioner take to enforce Minnesota mortgage law?

The action that the Commissioner can take to enforce Minnesota mortgage law that stands out is the ability to subpoena and examine under oath any relevant person. This authority is essential for regulatory bodies as it allows them to gather necessary information and evidence related to potential violations of mortgage laws or regulations. By issuing subpoenas, the Commissioner can compel individuals or entities to provide testimony or documents that are crucial for investigating compliance or unethical practices within the mortgage industry. This approach enables effective enforcement of laws designed to protect consumers and ensure that mortgage practices adhere to established standards.

The other options, while they may seem beneficial in some contexts, do not directly connect to the enforcement of mortgage law. Promoting public awareness, for example, serves an educational purpose but does not constitute an enforcement action. Offering financial incentives to compliant lenders might encourage good practices, but it lacks the necessary authority conferred by legal mandates to enforce compliance. Conducting annual audits could be beneficial for oversight purposes, but it may not be a mandated action of the Commissioner in every case, especially depending on the regulatory framework in place.