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 |
| 912 downloads | 1.0 | Dana Glass | 2017-06-08 17:14 | ||
| 689 downloads | 1.0 | Dana Glass | 2017-06-07 17:18 | ||
| 679 downloads | 1.0 | Dana Glass | 2017-06-06 16:10 | ||
| 623 downloads | 1.1 | Dana Glass | 2017-06-05 16:13 | ||
| 685 downloads | 1.0 | Dana Glass | 2017-06-05 16:12 | ||
| 671 downloads | 1.1 | Dana Glass | 2016-08-09 16:44 | ||
| 609 downloads | 1.0 | Dana Glass | 2016-07-22 17:21 | ||
| 786 downloads | 1.0 | Dana Glass | 2016-07-22 16:08 | ||
| 618 downloads | 1.0 | Dana Glass | 2016-07-21 17:19 | ||
| 699 downloads | 1.0 | Dana Glass | 2016-06-20 17:24 | ||
| 649 downloads | 1.0 | Dana Glass | 2016-06-06 17:07 | ||
| 618 downloads | 1.0 | Dana Glass | 2016-02-15 17:23 | ||
| 605 downloads | 1.0 | Dana Glass | 2014-03-31 15:55 | ||
| 617 downloads | 1.0 | Dana Glass | 2014-03-28 17:31 | ||
| 627 downloads | 1.0 | Dana Glass | 2013-11-07 15:58 | ||
| 638 downloads | 1.0 | Dana Glass | 2013-07-15 15:51 | ||
| 736 downloads | 1.0 | Dana Glass | 2013-05-29 15:53 | ||
| 730 downloads | 1.0 | Dana Glass | 2013-05-28 16:06 | ||
| 650 downloads | 1.0 | Dana Glass | 2013-05-13 17:35 | ||
| 639 downloads | 1.1 | Dana Glass | 2013-04-08 17:55 | ||
| 658 downloads | 1.0 | Dana Glass | 2013-01-29 16:03 | ||
| 676 downloads | 1.0 | Dana Glass | 2013-01-11 16:01 | ||
| 568 downloads | 1.0 | Dana Glass | 2012-10-25 15:56 | ||
| 669 downloads | 1.0 | Dana Glass | 2012-10-09 17:28 | ||
| 751 downloads | 1.0 | Dana Glass | 2012-08-09 18:14 | ||
| 641 downloads | 1.0 | Dana Glass | 2012-07-03 18:00 | ||
| 678 downloads | 1.0 | Dana Glass | 2012-06-17 17:33 | ||
| 664 downloads | 1.0 | Dana Glass | 2012-06-04 17:46 | ||
| 705 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