Amend CSSB 14 by adding a new Article to the bill, 
appropriately numbered, as follows:
	ARTICLE _____. PRIOR APPROVAL
	SECTION_____.01. Chapter 21, Insurance Code, is amended by 
adding new Article 21.21-F to read as follows:
	Article 21.21-2F. Prior Approval. Notwithstanding any other 
law to the contrary, other than a statute mandating a rate rollback, 
no insurer may change a rate, rating factor, policy form, or 
endorsement for personal automobile or residential property 
insurance that has not been expressly approved by the commissioner.  
This article applies to all insurers writing personal automobile 
and residential property insurance, including Lloyds plan, 
reciprocal, interexchange, county mutual, and farm mutual 
insurers.
	If the commissioner has not issued an order approving the 
filing within 30 days after the filing of the application, the 
insurer may request a hearing on the application, to be held at the 
State Office of Administrative Hearings under Government Code 
Chapter 2001.  The burden of proof in any such hearing shall be on 
the insurer.  The hearings examiner must issue a proposal for 
decision within 30 days after the filing of the request for a 
hearing.  The hearings examiner's proposed order shall be final 
unless the commissioner issues a different order within 15 days 
after the commissioner receives the proposed order.