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Amend CSSB 14 as follows:                                                    
	SECTION 1.  Art. 1.15, Texas Insurance Code, is amended by 
adding a new Section 11 as follows:
	Sec. 11.  (a) The Department shall review any insurer or 
group of insurers licensed to write private passenger automobile or 
residential property insurance in this state for purposes of 
ascertaining the business practices, performance, and operations 
of an insurer.  Insurers shall make available to the Department for 
review or duplication all papers, books, records, documents, files, 
or other relevant information.
	(b)  The review shall be independent of the examination of 
financial condition of the insurer, and include but not be limited 
to advertising, trade, rating, claim, underwriting, and other 
practices, performance, or operations not wholly related to the 
financial solvency of an insurer.
	(c)  For insurers with a market share greater than five 
percent in either private passenger automobile or residential 
property insurance, the Department shall conduct a review no less 
than every twelve months.  For insurers with a market share less 
than or equal to five percent in either private passenger 
automobile or residential property insurance, the Department shall 
conduct a review no less than every two years.  The period between 
reviews shall begin on the completion of the previous review under 
this Section.  Market share shall be determined by the most recent 
four consecutive calendar quarters for which market share data is 
available.
	(d)  The Department may conduct non-financial and financial 
reviews of an insurer under this Article simultaneously.  The 
review shall result in distinct and separate reports on financial 
practices, performance and operations and on nonfinancial 
practices, performance and operations.
	(e)  The Department shall publish a schedule of mandatory 
reviews no later than September 1 of each year for the upcoming 
twelve-month period.  The schedule shall not preclude the 
Department from conducting reviews on a more frequent basis.  To the 
greatest extent possible, the Department shall notify an insurer of 
an upcoming review not on the published schedule, unless there is 
probable and documented cause for a known violation of this Code and 
notification may result in the possible destruction or alteration 
of information subject to review under this Article.
	(f)  This Section shall not be construed to be exclusive 
authority or limit reviews, reports, or remedies in any manner.  All 
other provisions of this Code or any other law are in addition to, 
and shall be harmonized with, the provisions of this Section.
	SECTION 2.  The Department shall publish the schedule for 
reviews under Sec. 11, Art. 1.15, Texas Insurance Code, no later 
than 90 days after the effective date of this Act.  All initial 
reviews shall be completed in accordance with the schedule 
published by the Commissioner.