WM. PRESTON LANE, JR., GOVERNOR. 399

however, that, if such filing has not been disapproved by the
Commissioner within fifteen days from the date of filing,
or within thirty days if such period be extended in writing
by the Commissioner during the first fifteen days, it shall
be deemed approved, and the rates, contracts or other sub-
ject matter of such filing may be put into effect by the insurer
at the expiration of such waiting period. In the event the
Commissioner disapproves any filing, he shall specify in what
respect he finds that such filing does not meet the require-
ments of this sub-title or is otherwise contrary to law.

(e) If at any time after the approval of a filing, the Com-
missioner should find that the filing does not meet the re-
quirements of this sub-title, or is otherwise contrary to law,
or if any party having an interest in such filing should within
30 days from the date hereof make complaint in writing,
setting forth specific and reasonable causes for complaint
to the Commissioner, or if any insurer, upon notice of dis-
approval by the Commissioner of a filing hereunder, should
so request, in writing, within 30 days from the date of such
notice of disapproval, the Commissioner shall set a date for
a hearing to be held 30 days after his giving notice in writ-
ing to all parties in interest. The Commissioner may con-
firm, modify, change or rescind any previous action, if war-
ranted by the facts shown at the hearing.

(f) Beginning January 1, 1948, no insurer shall make or
issue any contract, policy or guarantee of insurance except
in accordance with filings approved as provided in this sub-
title, except as to special or unusual risks for which no filing
has been hereinbefore provided.

(g) Every insurer must hold to the rates or premiums as
approved by the Commissioner and may not deviate there-
from nor allow to or for the account of any insured a rebate
or discount on the rates or premiums payable. As compen-
sation for procuring business, an insurer may pay or allow
a commission to any licensed real estate broker, attorney-at-
law, or an agent duly licensed to represent an insurer.

(h) In order to further more equitable establishment and
adjustment of rates and premiums and forms of contracts,
policies or guarantees of insurance, the Commissioner and
every insurer may exchange information and experience data
with each other, and with the insurance supervisory officials
and insurers in other states and with national organizations
and associations and may consult and cooperate with them
in respect to rate and premium making and forms of con-
tracts, policies and guarantees of insurance.