1236 LAWS OF MARYLAND. [CH. 510

(h) Beginning the effective date of this Act no insurer
shall make or issue a contract or policy except in accordance
with the filings which are in effect for said insurer as pro-
vided in this Act or in accordance with paragraphs (f) and
(g) of this sub-section, provided, that filings which have be-
come effective under Section 99A of Article 48A and licenses
issued to rating organizations in accordance with said section
shall remain in effect subject to the provisions of this Act.

This sub-section shall not apply to contracts or policies for
inland marine risks as to which filings are not required.

5. DISAPPROVAL OF FILINGS.

(a) If within the waiting period or any extension thereof
as provided in paragraph (d) of Sub-section 4, the commis-
sioner finds that a filing does not meet the requirements of
this Act, 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 such filing
fails to meet the requirements of this Act and stating that
such filing shall not become effective.

(b) If within thirty days after a specific inland marine rate
on a risk specially rated by a rating organization, subject to
paragraph (e). of Sub-section 4 has become effective, the com-
missioner finds that such filing does not meet the requirements
of this Act, he shall send to the 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 Act, 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.

(c) If at any time subsequent to the applicable review
period provided for in paragraph (a) or (b) of this sub-sec-
tion, the commissioner finds that a filing does not meet the
requirements of this Act, 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 filing fails to meet the
requirements of this Act, and stating when, within a reason-
able 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.