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Urgent Enforcement Amended Final

Christopher Wodkiewicz License Revoked for Fraud and Misrepresentation

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Summary

MI DIFS issued an Order Accepting Stipulation revoking the insurance license of Christopher Wodkiewicz (System ID No. 1332769) effective April 6, 2026. Wodkiewicz admitted to obtaining his license through misrepresentation or fraud under MCL 500.1239(1)(a) and to using fraudulent or dishonest practices demonstrating untrustworthiness under MCL 500.1239(1)(g). The license revocation is immediate, with continued jurisdiction retained by DIFS for any compliance violations.

What changed

MI DIFS accepted a stipulation from Christopher Wodkiewicz admitting sanctions were warranted under Sections 1239(1)(a) and 1239(1)(g) of the Michigan Insurance Code for obtaining his insurance license through misrepresentation or fraud and demonstrating untrustworthiness through fraudulent or dishonest business practices. The Senior Deputy Director ordered the license revoked effective immediately and retained jurisdiction for further enforcement proceedings.

Insurers employing or considering appointment of Michigan-licensed producers should immediately verify licensing status and conduct enhanced due diligence. Any producer found to have misrepresented information during the licensing process faces similar enforcement action. DIFS retains authority to impose additional monetary penalties and commence further proceedings for violations of the order.

What to do next

  1. Immediately cease all insurance activities under the revoked license
  2. Audit existing producer appointments for fraud or misrepresentation indicators
  3. Report any suspected fraudulent license applications to DIFS

Penalties

License revoked effective April 6, 2026; monetary penalties may apply pursuant to MCL 500.1239 and MCL 500.1244.

Archived snapshot

Apr 8, 2026

GovPing captured this document from the original source. If the source has since changed or been removed, this is the text as it existed at that time.

STATE OF MICHIGAN DEPARTMENT OF INSURANCE AND FINANCIAL SERVICES Before the Director of the Department of Insurance and Financial Services In the matter of: Christopher Wodkiewicz System ID No. 1332769 Respondent. Issued and entered _______________________/ on April 6, 2026 by Joseph Garcia Senior Deputy Director, and General Counsel ORDER ACCEPTING STIPULATION Based upon the Stipulation to Entry of Order and the files and records of the Department of Insurance and Financial Services (DIFS) in this matter, the Senior Deputy Director finds and concludes that:

  1. The Senior Deputy Director has jurisdiction and authority to adopt and issue this Order Accepting
    Stipulation in this proceeding pursuant to the Michigan Administrative Procedures Act of 1969 (APA), as amended, MCL 24.201 et seq., and the Michigan Insurance Code of 1956 (Code), MCL 500.100 et seq.

  2. All required notices have been issued in this case, and the notices and service thereof were
    appropriate and lawful in all respects.

  3. Acceptance of the Stipulation to Entry of Order is reasonable and in the public interest.

  4. All applicable provisions of the APA have been either satisfied or waived by all Parties.

  5. On or about December 17, 2025, DIFS served a Notice of Opportunity to Show Compliance (NOSC)
    on Respondent. In the NOSC, DIFS asserted that Respondent provided justification for sanctions pursuant to Sections 1239(1)(a), 1239(1)(g), and 1239(7) of the Code, MCL 500.1239(1)(a), MCL 500.1239(1)(g), and MCL 500.1239(7).

  6. Respondent admits that sanctions are warranted under Section 1239(1)(a) of the Code, MCL
    500.1239(1)(a), because Respondent attempted to and did obtain a license through misrepresentation or fraud.

  7. Respondent admits that sanctions are warranted under Section 1239(1)(g) of the Code, MCL
    500.1239(1)(g), because Respondent used fraudulent or dishonest practices and demonstrated untrustworthiness in the conduct of business.

Order Accepting Stipulation Page 2 of 2

  1.             
    addition to the imposition of monetary penalties for the above-described statutory violations pursuant to Sections 1239 and 1244 of the Code, MCL 500.1239 and MCL 500.1244. Now therefore, based upon the Stipulation to Entry of Order and the facts surrounding this case, IT IS ORDERED THAT:

  2. All agreements contained in the Stipulation to Entry of Order are accepted and adopted in their
    entirety.

  3. Respondent shall comply with all terms agreed to in the Stipulation to Entry of Order. A failure to
    comply with a term in the Stipulation shall be deemed a violation of this Order.

  4. RespondentREVOKED, effective immediately.

  5. The Senior Deputy Director retains jurisdiction over the matters contained herein and has the
    authority to issue such further order(s) as shall be deemed just, necessary, and appropriate in accordance with the Michigan Insurance Code. Failure to abide by the terms and provisions of the Stipulation to Entry of Order and this Order may result in the commencement of additional proceedings.

____________________________________ Dated: April 6, 2026 Joseph A. Garcia Senior Deputy Director, and General Counsel

STATE OF MICHIGAN DEPARTMENT OF INSURANCE AND FINANCIAL SERVICES Before the Director of the Department of Insurance and Financial Services In the matter of: Christopher Wodkiewicz System ID No. 1332769 Respondent. STIPULATION TO ENTRY OF ORDER _______________________/ Christopher Wodkiewicz (Respondent) stipulates to the following:

  1. Respondent had the opportunity to have this Order Accepting Stipulation and Stipulation to Entry of Order  reviewed by legal counsel. 
  2. Respondent has read and understands this Consent Order.
  3. Respondent understands that Respondent has a right to a hearing before an administrative law
    judge, at which DIFS would be required to prove the charges set forth by presentation of evidence and legal authority and at which Respondent would be entitled to appear, to cross-examine all witnesses presented by DIFS, and to present such testimony or other evidence or legal authority deemed appropriate as a defense to said charges. Respondent understands and intends that by agreeing to the Consent Order, Respondent is knowingly and voluntarily waiving  right, pursuant to the Michigan Insurance Code of 1956 (Code), MCL 500.100 et seq., the rules promulgated thereto, and the Administrative Procedures Act (APA), MCL 24.201 et seq., to a hearing before an Administrative Law Judge.

  4. Respondent agrees that all parties have complied with the procedural requirements of the APA and
    the Code.

  5. The Senior Deputy Director retains jurisdiction over the matters contained herein.

  6. On or about December 17, 2025, the Department of Insurance and Financial Services (DIFS) served
    Respondent with a Notice of Opportunity to Show Compliance (NOSC) alleging that Respondent committed conduct warranting        penalties pursuant to Sections 1239 and 1244 of the Code, MCL 500.1239 and MCL 500.1244.

  7. Respondent admits to hiring and employing Alicia Buford, formerly known as Alicia Jackson, to take and pass an online proctored licensing exam on  behalf, justifying sanctions under
    Sections 1239(1)(a), 1239(1)(g), 1239(7), and 1244 of the Code.

  8. shall be revoked,
    effective immediately upon entry of the Consent Order.

  9. Both parties consent to entry of the Consent Order upon its approval by the Senior Deputy Director.
    Stipulation to Entry of Order Page 2 of 2

  10. Respondent understands that this Consent Order will be presented to the Senior Deputy Director for
    approval and that the Senior Deputy Director may or may not approve and adopt it. Respondent further agrees that the Senior Deputy Director has jurisdiction and authority to approve and adopt this Consent Order.

  11. Respondent waives any objection to the Director deciding this case following a Michigan Office of
    Administrative Hearings and Rules hearing in the event that the Consent Order is not approved.

__________________________ __________________________ Christopher Wodkiewicz Date

DIFS Staff approve this Stipulation and recommend that the Senior Deputy Director accept it and issue an Order Accepting Stipulation.

4/3/2026 __________________________ __________________________ Anthony Snyder (P69289) Date DIFS Staff Attorney

4/3/2026

Named provisions

Section 1239(1)(a) - License by misrepresentation Section 1239(1)(g) - Fraudulent or dishonest practices Section 1239 - Imposition of sanctions Section 1244 - Monetary penalties

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Last updated

Classification

Agency
MI DIFS
Filed
April 6th, 2026
Instrument
Enforcement
Legal weight
Binding
Stage
Final
Change scope
Substantive
Document ID
DIFS Order No. 25-18755
Docket
25-18755

Who this affects

Applies to
Insurers Legal professionals
Industry sector
5241 Insurance
Activity scope
Insurance licensing Producer appointment Fraudulent license applications
Geographic scope
US-MI US-MI

Taxonomy

Primary area
Insurance
Operational domain
Compliance
Compliance frameworks
Dodd-Frank
Topics
Banking Financial Services

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