(a) may carry out such investigations and
inquiries in relation to the application as the Secretary considers necessary
for a proper consideration of the application, and
(b) is to refer any
application that the Secretary considers to have been duly made (along with
any supporting information) to the Commissioner for an investigation and
determination as to any one or more of the following--
(i) whether the
applicant is a fit and proper person,
(ia) whether a close associate of the
applicant is a fit and proper person,
(ii) whether it would be contrary to
the public interest for the licence to be granted or renewed.
(2) However, an
application for the renewal of a licence is required to be referred to the
Commissioner only if the application includes any changes relating to--
