1114                           LAWS OF MARYLAND                       [CH. 553

miums may be classified individually and separately according to the
circumstances peculiar to each case.

(2)   Every insurer must file with the Commissioner, all forms of
contracts, policies or guarantees of insurance with any and all types
of modifications thereof, except as to special or unusual risks, which
it proposes to use.

(3)   No change in rates or premiums or in the forms of contracts,
policies or guarantees of insurance shall be permitted to any insurer,
unless and until a report indicating such change shall be filed and
approved by the Commissioner.

(4)   Any filing made pursuant to this section shall be approved
by the Commissioner, unless he finds that such filing does not meet
the requirements of this subtitle or shall otherwise be contrary to
law. As soon as reasonably possible after the filing has been made,
the Commissioner shall, in writing, approve or disapprove the same;
provided, 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 subject 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 requirements of this subtitle or is otherwise contrary
to law.

(5)   If at any time after the approval of a filing, the Commis-
sioner should find that the filing does not meet the requirements of
this section or is otherwise contrary to law, or if any party having
an interest in such filing should make complaint in writing, setting
forth specific and reasonable causes for complaint to the Commis-
sioner, or if any insurer, upon notice of disapproval by the Commis-
sioner of a filing pursuant to this section, should so request, the
Commissioner shall hold a hearing within 30 days and shall give
notice of the hearing in writing to all parties in interest. The Com-
missioner may confirm, modify, change or rescind any previous
action, if warranted by the facts shown at the hearing.

(6)   No insurer shall make or issue any contract, policy or guar-
antee of insurance except in accordance with filings approved as
provided in this section, except as to special or unusual risks for
which no filing has been hereinbefore provided.

(7)   Every insurer must hold to the rates or premiums as ap-
proved by the Commissioner and may not deviate therefrom nor
allow to or for the account of any insured a rebate or discount on
the rates or premiums payable. As compensation for procuring
business, an insurer may pay or allow a commission to any licensed
real estate broker, attorney at law, or an agent of the insurer.

(8) In order to further more equitable establishment and adjust-
ment of rates and premiums and forms of contracts, policies or guar-
antees 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 contracts, policies and guarantees of insurance.