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 |
| 1035 downloads | 1.0 | Dana Glass | 2017-06-08 17:14 | ||
| 820 downloads | 1.0 | Dana Glass | 2017-06-07 17:18 | ||
| 796 downloads | 1.0 | Dana Glass | 2017-06-06 16:10 | ||
| 707 downloads | 1.1 | Dana Glass | 2017-06-05 16:13 | ||
| 802 downloads | 1.0 | Dana Glass | 2017-06-05 16:12 | ||
| 797 downloads | 1.1 | Dana Glass | 2016-08-09 16:44 | ||
| 736 downloads | 1.0 | Dana Glass | 2016-07-22 17:21 | ||
| 910 downloads | 1.0 | Dana Glass | 2016-07-22 16:08 | ||
| 738 downloads | 1.0 | Dana Glass | 2016-07-21 17:19 | ||
| 838 downloads | 1.0 | Dana Glass | 2016-06-20 17:24 | ||
| 767 downloads | 1.0 | Dana Glass | 2016-06-06 17:07 | ||
| 734 downloads | 1.0 | Dana Glass | 2016-02-15 17:23 | ||
| 752 downloads | 1.0 | Dana Glass | 2014-03-31 15:55 | ||
| 743 downloads | 1.0 | Dana Glass | 2014-03-28 17:31 | ||
| 735 downloads | 1.0 | Dana Glass | 2013-11-07 15:58 | ||
| 758 downloads | 1.0 | Dana Glass | 2013-07-15 15:51 | ||
| 866 downloads | 1.0 | Dana Glass | 2013-05-29 15:53 | ||
| 860 downloads | 1.0 | Dana Glass | 2013-05-28 16:06 | ||
| 774 downloads | 1.0 | Dana Glass | 2013-05-13 17:35 | ||
| 763 downloads | 1.1 | Dana Glass | 2013-04-08 17:55 | ||
| 765 downloads | 1.0 | Dana Glass | 2013-01-29 16:03 | ||
| 803 downloads | 1.0 | Dana Glass | 2013-01-11 16:01 | ||
| 686 downloads | 1.0 | Dana Glass | 2012-10-25 15:56 | ||
| 795 downloads | 1.0 | Dana Glass | 2012-10-09 17:28 | ||
| 876 downloads | 1.0 | Dana Glass | 2012-08-09 18:14 | ||
| 757 downloads | 1.0 | Dana Glass | 2012-07-03 18:00 | ||
| 820 downloads | 1.0 | Dana Glass | 2012-06-17 17:33 | ||
| 789 downloads | 1.0 | Dana Glass | 2012-06-04 17:46 | ||
| 814 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