Amend CSSB 14 as follows:                                                    
	(1) On page 14, line 16, between "counsel" and "may" insert ", 
an insured, and any other interested person".
	(2) On page 17, line 24, in the title of the section, between 
"Counsel" and the period, insert "AND THE PUBLIC".
	(3) On page 17, line 25, between "counsel" and "may" insert ", 
an insured, or any other interested person".
	(5) On page 18, line 2, between "counsel," and "not" insert 
"an insured, or any other interested person,".
	(5) On page 18, before line 8, insert a new subsection (c) as 
follows:       
	(c) To ensure public participation, the commissioner shall 
publish on its website, in a conspicuous manner, a listing of each 
rate filing within three days after the filing and make a copy of 
the filing available to the public at that time.  The insurer shall 
file an exact copy of its entire rate filing for this purpose.
	(6) On page 18, before line 8, insert a new subsection (d) as 
follows:       
	(d) If the public counsel, an insured, or any other 
interested person objects to the rate filing, the Commissioner 
shall not approve the filing, if at all, until after a hearing at 
the State Office of Administrative Hearings.
	(7) On page 18, line 14, between "counsel" and "may" insert ", 
an insured, or any other interested person".
	(8) On page 47, after line 8, insert a new subsection (r) as 
follows:        
	(r) To ensure public participation, the commissioner shall 
publish on its website, in a conspicuous manner, a listing of each 
rate filing within three days after the filing and make a copy of 
the filing available to the public at that time.  The insurer shall 
file an exact copy of its entire rate filing for this purpose.  If an 
insured or any other interested person objects to a filing under 
this Section, the Commissioner shall hold a hearing at the State 
Office of Administrative Hearings on the objection.  An insured and 
any other interested person may participate in any hearing or 
arbitration held under this Section and any appeal of an order under 
this Section.
	(9) In Article 4, add a new SECTION, appropriately numbered, 
to read as follows:
	SECTION 4._____. Section 7, Article 5.13-2, Insurance Code, 
is amended by adding a new subsection (d) to read as follows:
	(d) To ensure public participation, the commissioner shall 
publish on its website, in a conspicuous manner, a listing of each 
filing for personal automobile or residential property insurance 
under this Article within three days after the filing and make a 
copy of the filing available to the public at that time.  The 
insurer shall file an exact copy of its entire rate filing for this 
purpose.  If an insured or any other interested person objects to a 
filing under this Article, the Commissioner shall hold a hearing at 
the State Office of Administrative Hearings on the objection.  An 
insured and any other interested person may participate in any 
hearing or arbitration held under this Article and any appeal of an 
order under this Article.
	(10) On page 37, line 8, between "counsel" and "may" insert ", 
an insured, or any other interested person".
	(11) On page 38, before line 17, add a new subsection to the 
statute to read as follows:
	Sec. 7. If an insured or any other interested person objects 
to an underwriting guideline, the Commissioner shall hold a hearing 
at the State Office of Administrative Hearings on the objection.  An 
insured and any other interested person may participate in any 
hearing held under this Article and any appeal of an order under 
this Article.  After the hearing, the Commissioner may disapprove 
any underwriting guideline used by the insurer.
	(12) Add a new SECTION to Article 6, numbered accordingly, as 
follows:       
	SECTION 6._____. Chapter 827, Insurance Code, is amended by 
amending Section 827.005 to add a new subsection (c) to read as 
follows:
	(c) If an insured or any other interested person objects to a 
withdrawal plan, the Commissioner shall hold a hearing at the State 
Office of Administrative Hearings on the objection.  An insured and 
any other interested person may participate in any hearing held 
under this Article and any appeal of an order under this Article.