If, after notice and opportunity for a hearing, the commissioner finds that a person has violated this chapter, or any administrative regulation issued pursuant thereto, the commissioner may:
(1) Order the person to cease and desist violating the chapter or any administrative rules issued pursuant thereto;
(2) Require the refund of any fees collected by the person in violation of this chapter; and/or
(3) Order the person to pay to the commissioner a civil penalty of not more than one thousand dollars ($1,000) for each transaction in violation of this chapter or each day that a violation has occurred and continues.