1390 LAWS OF MARYLAND. [CH. 926

(g) Any person or organization aggrieved by the action of
the Commissioner with respect to any filing may, within thirty,
days after such action, make written request to the Com-
missioner for a hearing thereon. The Commissioner shall hear
such aggrieved party within thirty days after the receipt of
such request and shall give not less than ten days7 written
notice of the time and place of the hearing to the insurer or
rating organization which made the filing and to any other,
aggrieved party. Within thirty days after such hearing the
Commissioner shall affirm, reverse or modify his previous
action specifying his reasons therefor. Pending such hearing
and decision thereon the Commissioner may suspend or post-
pone the effective date of his previous action.

(h) Beginning June 1, 1946, no insurer shall make or issue
a contract or policy except in accordance with filings which
have been approved for said insurer as provided in this Act.

4. (Rating Organizations. )

(a) A corporation, an unincorporated association, a part-
nership or an individual, whether located within or outside of
the State, may make application for license as a rating organi-
zation for such kinds of insurance or sub-divisions thereof as
are specified in its application and shall file therewith (1) a
copy of its constitution, its articles of agreement or associa-
tion or its certificate of incorporation, and of its by-laws and
rules governing the conduct of its business, (2) a list of its
members and subscribers, (3) the name and address of a resi-
dent of the State upon whom notices or orders of the Commis-
sioner affecting such rating organization may be served and
(4) a statement of its qualification as a rating organization.
If the Commissioner finds that the applicant is qualified, he
shall issue a license specifying the kinds of insurance or sub-
divisions thereof for which the applicant is authorized to act
as a rating organization. Every such application shall be
granted or denied in whole or in part by the Commissioner
within sixty days of the date of its filing with him. Licenses
issued pursuant to this section shall remain in effect until
June 30 following date of issue unless sooner suspended or re-
voked by the Commissioner. The fee for said license shall be
one hundred dollars annually.

(b) Each rating organization shall, subject to reasonable
rules and regulations, permit any insurer, not a member, to
become a subscriber to its rating services, and shall furnish
such services without discrimination to its members and sub-
scribers. The refusal of any rating organization to admit an
insurer as a subscriber shall, at the request of such insurer, be
reviewed by the Commissioner at a hearing held upon at least
ten days' written notice to such rating organization and such