792                              LAWS OF MARYLAND                      [CH. 479

of this section, he shall send to the insurer or rating organization
which made such filing written notice of disapproval of such filing
specifying therein 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. Said disapproval shall not affect any contract made or
issued prior to the expiration of the period set forth in said notice.

(3)    If at any time subsequent to the applicable review period
provided for in paragraph (1) or (2) of this subsection, the Commis-
sioner finds that a filing does not meet the requirements of this section,
he shall, after a hearing held upon not less than ten days' written
notice, specifying the matters to be considered at such hearing, 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 contract or policy
made or issued prior to the expiration of the period set forth in said
order.

(4)     (i) 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.

(ii) Any citizen of this state whose rate would be affected may
request a hearing with regard to an automobile liability insurance
rate filing which would result in an increase in premium, and if a
written request is received by the Commissioner within the first
fifteen days of the open inspection waiting period, the Commissioner,
if he deem it advisable and in the public interest, may hold a hearing
and shall mail a notice of the hearing to any person who requests
hearing, to the filing insurer or organization, and to the news media
as aforesaid; provided that no more than one hearing upon any one
filing is required by this subsection.

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 contract 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 modifi-
cation of any of the foregoing which establishes standards for meas-