Marvin Mandel, Governor                            1453

(f)    Disapproval of filings.

(1)    If within the waiting period of any extension thereof as
provided in paragraph (7) of subsection (d) the Commissioner finds
that a filing does not meet the requirements of this section, he shall
send to the filer, written notice of disapproval, specifying therein, in
what respects he finds the filing fails to meet the requirements of
this section and stating that the filing shall not become effective.

(2)    If within thirty days after a filing made pursuant to para-
graphs (9) (8) or (10) (9) of subsection (d), the Commissioner finds
that the filing does not meet the requirements of this section, he shall
send to the filer written notice of disapproval, specifying therein in
what respects he finds that the filing fails to meet the requirements of
this section, and stating when, within a reasonable period thereafter
the filing shall be no longer effective. Disapproval shall not affect
any contract made or issued prior to the expiration of the period.

(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 sec-
tion, he shall after a hearing held upon not less than ten days' written
notice to the filer, specifying the matters to be considered at the
hearing, issue an order to the filer specifying in what respects he
finds that the filing fails to meet the requirements of this section,
and stating when, within a reasonable period thereafter, the filing
shall be no longer effective. The order shall not affect any contract
or policy made or issued prior to the expiration of the period set
forth in the order.

(4) Any person or organization aggrieved with respect to any
filing which is in effect, or which has been filed and has not yet
become effective may make written application to the Commissioner
for a hearing thereon, but the filer which made the filing shall not
be authorized to proceed under this paragraph. The application shall
specify the grounds to be relied upon by the applicant. If the Com-
missioner finds that the application is made in good faith, that the
applicant would be so aggrieved if his grounds are established, and
that the grounds otherwise justify holding a hearing, he shall, within
thirty days after receipt of the application, hold a hearing upon not
less than ten days' written notice to the applicant and to each filer
which made a filing.

If, after the hearing, the Commissioner finds that the filing does
not meet the requirements of this section, he shall issue an order to
the filer specifying in what respects he finds that the filing fails to
meet the requirements of this section, and stating when, within a
reasonable period thereafter, the filing shall be no longer effective.
A copy of the order shall be sent to the applicant. The order shall
not affect any contract or policy made or issued prior to the expira-
tion of the period set forth in the order.

(g)    Rating organizations.

(1) Any person, whether located within or outside this State,
may apply to the Commissioner for license as a rating organization
for kinds of insurance, or subdivision or class of risk or a part or
combination thereof as are specified in its application and shall file
therewith (i) a copy of its constitution, its articles of agreement or