Who determines the consequences for violations of navigator application organization laws?

The correct choice is the Commissioner of the IDOI (Idaho Department of Insurance). The Commissioner plays a crucial role in regulating insurance practices within the state, including overseeing the activities of navigators. This position is responsible for enforcing the laws and regulations that govern navigator organizations, which includes determining consequences for any violations of those laws.

The Commissioner has the authority to investigate complaints, impose penalties, and enforce compliance, ensuring that navigators operate within the legal framework established by state law. This regulatory oversight is essential for maintaining the integrity of insurance practices and protecting consumers in the state.