1106 LAWS OF MARYLAND [CH. 553
section, he shall, after a hearing held upon not less than ten days'
written notice, specifying the matters to be considered at such hear-
ing, to every insurer and rating organization which made such filing,
issue an order specifying in what respects he finds that such filings
fail to meet the requirements of this section, and stating when,
within a reasonable period thereafter, such filing shall be deemed no
longer effective. Copies of said order shall be sent to every such
insurer and rating organization. Said order shall not affect any con-
tract or policy made or issued prior to the expiration of the period
set forth in said order.
(4) Any person or organization aggrieved with respect to any
filing which is in effect may make written application to the Com-
missioner for a hearing thereon, provided, however, that the insurer
or rating organization that made the filing shall not be authorized
to proceed under this paragraph. 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 section, he shall issue an order
specifying in what respects he finds that such filing fails to meet the
requirements of this section, 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 organization. Said order shall not affect any con-
tract or policy made or issued prior to the expiration of the period
set forth in said order.
(5) No manual of classifications, rules, rating plan, or any modi-
fication of any of the foregoing which establishes standards for meas-
uring variations in hazards or expense provisions, or both, and which
has been filed pursuant to the requirements of subsection (d) shall be
disapproved if the rates thereby produced meet the requirements of
this section.
(e) Rating organizations.
(1) Any person, whether located within or outside this State, may
or an individual, whether located within or outside this State, may
make application to the Commissioner for license as a rating organ-
ization for such kinds of insurance or subdivisions thereof as are
specified in its application and shall file therewith (i) a copy of its
constitution, its articles of agreement or association or its certificate
of incorporation, and of its bylaws, rules and regulations governing
the conduct of its business, (ii) a list of its members and subscribers,
(iii) the name and address of a resident of this State upon whom
notices or orders of the Commissioner or process affecting such rating
organization may be served and (iv) a statement of its qualifications
as a rating organization. If the Commissioner finds that the applicant
is competent, trustworthy and otherwise qualified to act as a rating
organization and that its constitution, articles of agreement or as-
sociation or certificate of incorporation, and its bylaws, rules and
regulations governing the conduct of its business conform to the
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