When consumers take out a mortgage or auto loan, the lender requires the consumer to maintain property or auto insurance, respectively, to protect the property or vehicle servicing as collateral for the loan. The lenders typically track whether borrowers maintain the required insurance and, if they do not, force-place insurance on the property or vehicle and then charge the borrower for the insurance. There is a long history of overcharges and other abuses in force-placed insurance markets (also called lender-placed insurance or collateral protection insurance). The Center for Economic Justice has authored reports and testimony urging regulators and policymakers to stop overcharging consumers. CEJ has testified before the United States Congress, in front of state insurance regulators at the NAIC, and in many individual states. Our work has led to massive rate reductions and hundreds of millions of dollars of savings for consumers.
| Name | Downloads | Version | Owner | Last Modified | Rating |
|---|---|---|---|---|---|
| Name | Downloads | Version | Owner | Last Modified | Rating |
| 1072 downloads | 1.0 | Dana Glass | 2017-06-08 17:14 | ||
| 862 downloads | 1.0 | Dana Glass | 2017-06-07 17:18 | ||
| 841 downloads | 1.0 | Dana Glass | 2017-06-06 16:10 | ||
| 735 downloads | 1.1 | Dana Glass | 2017-06-05 16:13 | ||
| 842 downloads | 1.0 | Dana Glass | 2017-06-05 16:12 | ||
| 832 downloads | 1.1 | Dana Glass | 2016-08-09 16:44 | ||
| 763 downloads | 1.0 | Dana Glass | 2016-07-22 17:21 | ||
| 941 downloads | 1.0 | Dana Glass | 2016-07-22 16:08 | ||
| 782 downloads | 1.0 | Dana Glass | 2016-07-21 17:19 | ||
| 869 downloads | 1.0 | Dana Glass | 2016-06-20 17:24 | ||
| 798 downloads | 1.0 | Dana Glass | 2016-06-06 17:07 | ||
| 768 downloads | 1.0 | Dana Glass | 2016-02-15 17:23 | ||
| 786 downloads | 1.0 | Dana Glass | 2014-03-31 15:55 | ||
| 772 downloads | 1.0 | Dana Glass | 2014-03-28 17:31 | ||
| 761 downloads | 1.0 | Dana Glass | 2013-11-07 15:58 | ||
| 798 downloads | 1.0 | Dana Glass | 2013-07-15 15:51 | ||
| 906 downloads | 1.0 | Dana Glass | 2013-05-29 15:53 | ||
| 890 downloads | 1.0 | Dana Glass | 2013-05-28 16:06 | ||
| 803 downloads | 1.0 | Dana Glass | 2013-05-13 17:35 | ||
| 807 downloads | 1.1 | Dana Glass | 2013-04-08 17:55 | ||
| 810 downloads | 1.0 | Dana Glass | 2013-01-29 16:03 | ||
| 843 downloads | 1.0 | Dana Glass | 2013-01-11 16:01 | ||
| 725 downloads | 1.0 | Dana Glass | 2012-10-25 15:56 | ||
| 833 downloads | 1.0 | Dana Glass | 2012-10-09 17:28 | ||
| 903 downloads | 1.0 | Dana Glass | 2012-08-09 18:14 | ||
| 792 downloads | 1.0 | Dana Glass | 2012-07-03 18:00 | ||
| 854 downloads | 1.0 | Dana Glass | 2012-06-17 17:33 | ||
| 823 downloads | 1.0 | Dana Glass | 2012-06-04 17:46 | ||
| 860 downloads | 1.1 | Dana Glass | 2012-05-21 18:04 | ||
CEJ Comments and Draft Demonstrating Feasibility of Single Model Covering LPI Auto and LPI Home 170608 - cej_comments_lpi_model_wg_example_170608.pdf