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 |
| 991 downloads | 1.0 | Dana Glass | 2017-06-08 17:14 | ||
| 768 downloads | 1.0 | Dana Glass | 2017-06-07 17:18 | ||
| 751 downloads | 1.0 | Dana Glass | 2017-06-06 16:10 | ||
| 680 downloads | 1.1 | Dana Glass | 2017-06-05 16:13 | ||
| 760 downloads | 1.0 | Dana Glass | 2017-06-05 16:12 | ||
| 750 downloads | 1.1 | Dana Glass | 2016-08-09 16:44 | ||
| 690 downloads | 1.0 | Dana Glass | 2016-07-22 17:21 | ||
| 865 downloads | 1.0 | Dana Glass | 2016-07-22 16:08 | ||
| 696 downloads | 1.0 | Dana Glass | 2016-07-21 17:19 | ||
| 780 downloads | 1.0 | Dana Glass | 2016-06-20 17:24 | ||
| 723 downloads | 1.0 | Dana Glass | 2016-06-06 17:07 | ||
| 697 downloads | 1.0 | Dana Glass | 2016-02-15 17:23 | ||
| 691 downloads | 1.0 | Dana Glass | 2014-03-31 15:55 | ||
| 686 downloads | 1.0 | Dana Glass | 2014-03-28 17:31 | ||
| 698 downloads | 1.0 | Dana Glass | 2013-11-07 15:58 | ||
| 713 downloads | 1.0 | Dana Glass | 2013-07-15 15:51 | ||
| 816 downloads | 1.0 | Dana Glass | 2013-05-29 15:53 | ||
| 810 downloads | 1.0 | Dana Glass | 2013-05-28 16:06 | ||
| 732 downloads | 1.0 | Dana Glass | 2013-05-13 17:35 | ||
| 714 downloads | 1.1 | Dana Glass | 2013-04-08 17:55 | ||
| 731 downloads | 1.0 | Dana Glass | 2013-01-29 16:03 | ||
| 759 downloads | 1.0 | Dana Glass | 2013-01-11 16:01 | ||
| 646 downloads | 1.0 | Dana Glass | 2012-10-25 15:56 | ||
| 738 downloads | 1.0 | Dana Glass | 2012-10-09 17:28 | ||
| 830 downloads | 1.0 | Dana Glass | 2012-08-09 18:14 | ||
| 714 downloads | 1.0 | Dana Glass | 2012-07-03 18:00 | ||
| 767 downloads | 1.0 | Dana Glass | 2012-06-17 17:33 | ||
| 746 downloads | 1.0 | Dana Glass | 2012-06-04 17:46 | ||
| 777 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