What authority does the commissioner of the Department of Insurance NOT possess?

The commissioner of the Department of Insurance operates within a specific regulatory framework and does not have the authority to change penal laws, insurance laws, or administrative laws directly. The role of the commissioner includes enforcing existing laws, setting regulations, and overseeing the insurance industry within California, but significant changes to laws typically require legislative action rather than unilateral authority from the commissioner.

Choosing "None of the above" indicates an understanding that the commissioner lacks the power to alter these types of laws, which are established through a more formal legislative process. Thus, the correct choice reflects the limitations of the commissioner's authority in the context of law-making, emphasizing the separation of powers where legislative changes fall under the jurisdiction of elected representatives rather than appointed officials in regulatory roles.