1250 LAWS OF MARYLAND. [CH. 511

Such application shall specify the grounds to be relied upon
by the applicant. If the commissioner shall find that the
application is made in good faith, that the applicant would
be so aggrieved if his grounds are established, and that such
grounds otherwise justify holding such a hearing, he shall,
within thirty days after receipt of such application, hold a
hearing upon not less than ten days' written notice to the
applicant and to every insurer and rating organization which
made such filing.

If, after such hearing, the commissioner finds that the
filing does not meet the requirements of this Act, he shall
issue an order specifying in what respects he finds that such
filing fails to meet the requirements of this Act, and stating
when, within a reasonable period thereafter, such filing shall
be deemed no longer effective. Copies of said order shall be
sent to the applicant and to every insurer and rating organ-
ization. Said order shall not affect any contract or policy
made or issued prior to the expiration of the period set forth
in said order.

(e) No manual of classifications, rules, rating plan, or any
modification of any of the foregoing which establishes stand-
ards for measuring variations in hazards or expense provi-
sions, or both, and which has been filed pursuant to the
requirements of Sub-section 4 of this Act shall be disapproved
if the rates thereby produced meet the requirements of this
Act.

6—RATING ORGANIZATIONS.

(a) A corporation, an unincorporated association, a part-
nership or an individual, whether located within or outside
this State, may make application to the commissioner for
license as a rating organization for such kinds of insurance
or subdivisions thereof as are specified in its application and
shall file therewith (1) a copy of its constitution, its articles
of agreement or association or its certificate of incorporation,
and of its by-laws, rules and regulations governing the con-
duct of its business, (2) a list of its members and subscribers,
(3) the name and address of a resident of this State upon
whom notices or orders of the commissioner or process affect-
ing such rating organization may be served and (4) a state-
ment of its qualifications as a rating organization. If the
commissioner finds that the applicant is competent, trust-
worthy and otherwise qualified to act as a rating organization
and that its constitution, articles of agreement or association
or certificate of incorporation, and its by-laws, rules and regu-
lations governing the conduct of its business conform to the
requirements of law, he shall issue a license specifying the