1110                            LAWS OF MARYLAND                       [CH. 553

paragraph (3) of this subsection. If the Commissioner finds such
insurer or rating organization to be in violation of this paragraph
he may issue an order requiring the discontinuance of such violation.

(j) Joint underwriting or joint reinsurance.

(1)   Every group, association or other organization of insurers
which engages in joint underwriting or joint reinsurance, shall be
subject to regulation with respect thereto as herein provided, sub-
ject, however, with respect to joint underwriting, to all other provi-
sions of this section and, with respect to joint reinsurance to sub-
sections (k) and (o) and to section 245.

(2)   If, after a hearing the Commissioner finds that any activity
or practice of any such group, association or other organization is
unfair or unreasonable or otherwise inconsistent with the provisions
of this section, he may issue a written order specifying in what
respects such activity or practice is unfair or unreasonable or other-
wise inconsistent with the provisions of this section, and requiring
the discontinuance of such activity or practice.

(k) Examinations.

The Commissioner shall, at least once in five years, make or cause
to be made an examination of each rating organization licensed in
this State as provided in subsection (e) and he may, as often as he
may deem it expedient make or cause to be made an examination
of each advisory organization referred to in subsection (i), and of
each group, association or other organization referred to in sub-
section (j). The reasonable costs of any such examination shall be
paid by the rating organization, advisory organization, or group,
association or other organization examined upon presentation to it
of a detailed account of such costs. The officers, manager, agents
and employees of such rating organizations, advisory organization,
or group, association or other organization may be examined at any
time under oath and shall exhibit all books, records, accounts, docu-
ments, or agreements governing its methods of operation. In lieu of
any such examination the Commissioner may accept the report of
an examination made by the insurance supervisory official of another
state, pursuant to the laws of such state.

(1) Rate administration.

(1) Recording and reporting of loss and expense experience.

The Commissioner shall promulgate reasonable rules and statistical
plans, reasonably adapted to each of the rating systems on file with
him, which may be modified from time to time and which shall be used
thereafter by each insurer in the recording and reporting of its
loss and country-wide expense experience, in order that the expe-
rience of all insurers may be made available at least annually in
such form and detail as may be necessary to aid him in determining
whether rating systems comply with the standards set forth in sub-
section (b). Such rules and plans may also provide for the record-
ing and reporting of expense experience items which are specially
applicable to this State and are not susceptible of determination by
a prorating of country-wide expense experience. In promulgating
such rules and plans, the Commissioner shall give due consideration
to the rating systems on file with him and in order that such rules
and plans may be as uniform as is practicable among the several
states, to the rules and to the form of the plans used for such rat-