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 |
| 855 downloads | 1.0 | Dana Glass | 2017-06-08 17:14 | ||
| 622 downloads | 1.0 | Dana Glass | 2017-06-07 17:18 | ||
| 625 downloads | 1.0 | Dana Glass | 2017-06-06 16:10 | ||
| 558 downloads | 1.1 | Dana Glass | 2017-06-05 16:13 | ||
| 623 downloads | 1.0 | Dana Glass | 2017-06-05 16:12 | ||
| 604 downloads | 1.1 | Dana Glass | 2016-08-09 16:44 | ||
| 535 downloads | 1.0 | Dana Glass | 2016-07-22 17:21 | ||
| 730 downloads | 1.0 | Dana Glass | 2016-07-22 16:08 | ||
| 548 downloads | 1.0 | Dana Glass | 2016-07-21 17:19 | ||
| 620 downloads | 1.0 | Dana Glass | 2016-06-20 17:24 | ||
| 599 downloads | 1.0 | Dana Glass | 2016-06-06 17:07 | ||
| 569 downloads | 1.0 | Dana Glass | 2016-02-15 17:23 | ||
| 545 downloads | 1.0 | Dana Glass | 2014-03-31 15:55 | ||
| 555 downloads | 1.0 | Dana Glass | 2014-03-28 17:31 | ||
| 563 downloads | 1.0 | Dana Glass | 2013-11-07 15:58 | ||
| 588 downloads | 1.0 | Dana Glass | 2013-07-15 15:51 | ||
| 646 downloads | 1.0 | Dana Glass | 2013-05-29 15:53 | ||
| 653 downloads | 1.0 | Dana Glass | 2013-05-28 16:06 | ||
| 579 downloads | 1.0 | Dana Glass | 2013-05-13 17:35 | ||
| 580 downloads | 1.1 | Dana Glass | 2013-04-08 17:55 | ||
| 601 downloads | 1.0 | Dana Glass | 2013-01-29 16:03 | ||
| 622 downloads | 1.0 | Dana Glass | 2013-01-11 16:01 | ||
| 516 downloads | 1.0 | Dana Glass | 2012-10-25 15:56 | ||
| 606 downloads | 1.0 | Dana Glass | 2012-10-09 17:28 | ||
| 695 downloads | 1.0 | Dana Glass | 2012-08-09 18:14 | ||
| 584 downloads | 1.0 | Dana Glass | 2012-07-03 18:00 | ||
| 620 downloads | 1.0 | Dana Glass | 2012-06-17 17:33 | ||
| 597 downloads | 1.0 | Dana Glass | 2012-06-04 17:46 | ||
| 637 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