A consumer group that has reaped millions of dollars in fees from insurance companies thanks to a state initiative it wrote is facing a new wave of criticism from Democratic and Republican political consultants and lawmakers. Critics note that the advocacy group, Consumer Watchdog, profits from the special insurance regulation process it not only created, but dominates. The consultants argue that the group is trying, once again, to use a ballot initiative to generate more revenue. “It’s one of the all-time great scams,” said Republican consultant Rob Stutzman, who is working with an opposition research firm, but wouldn’t say who is paying for the effort according to a recent report at www.calforniawatch.org.