REPORT OF THE COMMISSIONER OF INSURANCE.


and examination of the insurance commissioner, who shall cause
to be made an examination thereof, as often as he deems it
expedient, and at least once in three years. For such purpose
he may appoint as examiners one or more competent persons
and upon such examination, lie, his deputy or any examiner
authorized by him shall have the power to examine under oath
the officers or agents, and all. persons deemed to have material
information regarding the business of, or manner of, operation
by every such person, corporation, association, bureau or board.
The insurance commissioner shall make public the result of such
examination, and shall report to the legislature in his annual
report on the methods of such rating organization and the man-
ner of its operation.
RATES TO BE FILED
Every such person, corporation, association or bureau shall
file with the insurance commissioner, whenever he may call
therefor, any and every schedule of rates or such other infor-
mation concerning such rates as may be suggested(, approved or
made by any such rating organization for the. purposes specified
in the first paragraph of this section. No such person, corpora-
tion, 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 subscribers to, such rating organ-
ization; nor shall any such person, corporation, association or
bureau, or any person, association or corporation authorized
to transact the business lof insurance within this state, fix or
make any rate. or schedule of rates or charge a rate which (ds-
crimninates unfairly between risks in the application of like
charges or credits, or which discriminates unfairly between
risks of essentially the same hazard and having substantially the
same degrees of protection against fire. Whenever it is made
to appear to the satisfaction of the insurance commissioner that
such. discrim.ination exists, he may, after a full hearing either
before himself or before any salaried employe of the insurance
department, whose report he may adopt, order such discrimi-
nation removed, and all such persons, corporations, associations
ot bureans affected thereby shall immedliately comply therewith