The Commissioner can rely on examination reports made by which of the following?

The Commissioner can rely on examination reports made by other state and federal government officials because these entities are often responsible for ensuring regulatory compliance and can provide impartial assessments of a financial institution's operations. These officials typically have the authority and expertise to conduct thorough examinations and audits, making their reports credible and useful for the Commissioner in assessing compliance and determining the soundness of the licensees.

Reliance on examination reports from other government officials enhances the regulatory framework because it allows for the sharing of information and findings across different regulatory bodies, facilitating a broader understanding of compliance and operational risks. This practice ensures the integrity of the examination process, as government officials are bound by public accountability and standards.

On the other hand, reports from individuals from the licensee's home office, independent auditors chosen by the licensee, or solely from state government officials may not offer the same level of impartiality or recognition of broad regulatory standards, which can lead to less reliable conclusions regarding a licensee’s compliance status.