ยง  938.  Denial  of  license;  complaints;  notice  of hearing. 1. The
  commissioner shall, before making a determination to deny an application
  for a license, notify the applicant in writing of the reasons  for  such
  proposed  denial  and afford the applicant an opportunity to be heard in
  person or by counsel prior to denial of  the  application.  Such  notice
  shall  notify  the  applicant  that a request for a hearing must be made
  within thirty days after issuance of such notification. If a hearing  is
  requested,  such  hearing  shall  be  held at such time and place as the
  commissioner shall prescribe.
2. If the applicant fails to make a  written  request  for  a  hearing
  within  thirty  days  after  issuance  of  such  notification,  then the
  notification of denial shall  become  the  final  determination  of  the
  commissioner.  The  commissioner shall have subpoena powers regulated by
  the  civil  practice  law  and  rules.  If,  after  such  hearing,   the
  application  is  denied,  written  notice of such denial shall be served
  upon the applicant.
3. The commissioner shall, before revoking or suspending  any  license
  or  imposing  any fine as authorized by this article or reprimand on the
  holder thereof and at least ten days prior  to  the  date  set  for  the
  hearing,  notify  in  writing the holder of such license, of any charges
  made and shall afford such person an opportunity to be heard  in  person
  or  by  counsel  in  reference  thereto.  No prior notice and hearing is
  required before the commissioner issues an order directing the cessation
  of unlicensed activities.
4. Written notice must be served to the licensee or person charged.
5. The hearing on such charges shall be at such time and place as  the
  commissioner shall prescribe.