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 |
| 854 downloads | 1.0 | Dana Glass | 2017-06-08 17:14 | ||
| 622 downloads | 1.0 | Dana Glass | 2017-06-07 17:18 | ||
| 623 downloads | 1.0 | Dana Glass | 2017-06-06 16:10 | ||
| 557 downloads | 1.1 | Dana Glass | 2017-06-05 16:13 | ||
| 621 downloads | 1.0 | Dana Glass | 2017-06-05 16:12 | ||
| 603 downloads | 1.1 | Dana Glass | 2016-08-09 16:44 | ||
| 535 downloads | 1.0 | Dana Glass | 2016-07-22 17:21 | ||
| 729 downloads | 1.0 | Dana Glass | 2016-07-22 16:08 | ||
| 547 downloads | 1.0 | Dana Glass | 2016-07-21 17:19 | ||
| 619 downloads | 1.0 | Dana Glass | 2016-06-20 17:24 | ||
| 598 downloads | 1.0 | Dana Glass | 2016-06-06 17:07 | ||
| 569 downloads | 1.0 | Dana Glass | 2016-02-15 17:23 | ||
| 543 downloads | 1.0 | Dana Glass | 2014-03-31 15:55 | ||
| 554 downloads | 1.0 | Dana Glass | 2014-03-28 17:31 | ||
| 562 downloads | 1.0 | Dana Glass | 2013-11-07 15:58 | ||
| 587 downloads | 1.0 | Dana Glass | 2013-07-15 15:51 | ||
| 646 downloads | 1.0 | Dana Glass | 2013-05-29 15:53 | ||
| 651 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 | ||
| 600 downloads | 1.0 | Dana Glass | 2013-01-29 16:03 | ||
| 621 downloads | 1.0 | Dana Glass | 2013-01-11 16:01 | ||
| 514 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 | ||
| 583 downloads | 1.0 | Dana Glass | 2012-07-03 18:00 | ||
| 619 downloads | 1.0 | Dana Glass | 2012-06-17 17:33 | ||
| 597 downloads | 1.0 | Dana Glass | 2012-06-04 17:46 | ||
| 635 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