Amend CSSB 14, in ARTICLE 4 of the bill, by adding the 
following new SECTION, appropriately numbered, to read as follows:
	SECTION 4._____. Article 5.13-2, Insurance Code, is amended 
by adding Section 3A to read as follows:
	Sec. 3A. RATE FACTORS. (a) In deciding whether a rate filing 
made by an insurer complies with this article, the commissioner 
shall consider whether:
		(1) the insurer's rate complies with the rating criteria 
adopted under this article;
		(2) the insurer's underwriting guidelines are fair and 
not discriminatory;
		(3) the insurer has applied credit scoring in 
accordance with Article 21.49-2U of this code; and
		(4) any applicable management fees charged by the 
insurer comply with law and are not unreasonable or excessive under 
accepted regulatory standards.
	(b) The insurer must itemize any applicable management fees 
charged by the insurer, including an analysis of each fee that 
states each component of the fee, and an itemization of 
profit-load.