I will explain the internal process a bit.
The investigations branch conducts an investigation on a potential violation and then submits a compliance report to me. Following this report, I issue a notice of violation to the financial institution. It then has the right to make representations to the commissioner if it does not agree on the penalty imposed, or if it wants to know if it will be named, because it is up to the commissioner to decide to name the financial institution or not.
I used the word “appeal” because people know that word better, but these are, rather, representations made to the commissioner who will then draft her decision.