Which of the following actions could lead to civil penalties under the Suffolk County regulations?

Violating consumer protection laws can indeed lead to civil penalties under Suffolk County regulations because these laws are designed to safeguard the interests of consumers. When a contractor or home improvement professional engages in practices that deceive, mislead, or harm consumers, it undermines the trust essential in business transactions. Regulatory bodies take such violations seriously to maintain fair trade practices and protect consumers from exploitation.

On the other hand, permitting another to use a license is a significant violation, which can also carry penalties, but it isn't directly linked to consumer protections in the same way. Engaging in minor late fees may be a breach of policy but typically does not rise to the level of civil penalties unless it is part of a more egregious pattern of behavior. Renewing a license after expiration usually follows specific procedures and may incur a fine, but it isn't directly tied to consumer protection violations. Thus, the most relevant action linked directly to potential civil penalties, emphasizing consumer rights, is the violation of consumer protection laws.