46      REPORT OP TIlE COMMISSIONER OP INSURANCE.


tion, association, bureau or board.  The superintendent shall
make public the results of such examination and shall report
to the legislature in. his annual report on the methods of such
rating organization and the manner of its operation.
RATES TO BE FILED
Each such person, corporation, association or bureau shall
file with the superintendent of insurance whenever he may call
therefor any and every schedule! of rates or such other infor-
mation coneerning suich rates as may be suggested, approved or
made by any such rating organization for the purposes speci-
fied in the first paragraph of this section.
ANTI-DISCRIMINATION- IN RATES
No such person, corporation, association or bureau shall fix
or make any rate or schedule of rates which is to or may apply
to any risk within this 'state, on the condition that the whole
amount of insurance on such risk or any specified part thereof
shall be placed at such rates, or with the members of or sub-
scribers to such rating organization; or shall any such person,
corporation, association or bureau, or any person, association or
corporation authorized to transact the business of insuragnce
'Within this state, fix or make any rate or schedule of rates or
charge a rate which discriminates unfairly between risks. within
this state of essentially the same hazard or, if such rate be a
fire insurance rate, which discriminates unfairly between risks
in. the a-pplictation of like charges or credits or which discrim,-
inates unfairly between risks of essentially the same hazards
an(d. having substantially the same degree of protection against
fire. Whenever it is made to appear to the satisfaction of the
superintendent of insurance that such discrimination exists, he
may, after a full hearing either before himself or before any
sa.laried employee of the insurance department whose report he
may adopt, order such discrimination removed; and all such
persons, corporations, associations or bureaus affected thereby
shall immediately comply therewith; nor shall such persons,
corporations, associations or bureaus remove such discrimina-
tion by increasing the rates on any risk or-class of risks affected
by such order unless it is made\to appear to the satisfaction of
the superintendent of insurance that such increase is justifiable.