50       REPORT OP TJ-H1 COMMWMISSIONER OF INSURANCE.


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 organization; nor shall any
such person, association or corporation authorized to transact
the business of insurance 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. *      * Whenever it is. made to appear to
the satisfaction of the Insurance Commissioner that such dis-
erimination exists he may, after a full hearing, either before
himself or before any salaried employee of the Insurance De-
partment, whose report he may adopt, order such discrimina-
tion removed; and all such persons, corporations, associations
or bureaus affected thereby shall immediately comply there-
.with; nor shall such persons, corporations, associations or
bureaus remove such discrimination 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 Insurance Commis-
sioner that such increase is justifiable.
RATES TO BE PUBLIC
See. 5. Every such rating organization shall keep a care-
fnl record of its proceedings, and shall furnish upon demand
to any person upon whose property or risk a rate has been
macil, or to his authorized agent, full information as to such
rate, and if such property or risk be rated by schedule, a copy
of such, schedule; it shall also provide such means as may be
app)roved by the Insurance Commissioner whereby any person
or persons, affected by such rate or rates may be heard, either
in person or by agent, before the governing or rating commit-
tee or other proper executive of such rating organization on
application for a dhange in such rate or rates. (Chap. 145, Pub-
lic Acts, 1i9.3.)