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 |
| 901 downloads | 1.0 | Dana Glass | 2017-06-08 17:14 | ||
| 676 downloads | 1.0 | Dana Glass | 2017-06-07 17:18 | ||
| 671 downloads | 1.0 | Dana Glass | 2017-06-06 16:10 | ||
| 614 downloads | 1.1 | Dana Glass | 2017-06-05 16:13 | ||
| 674 downloads | 1.0 | Dana Glass | 2017-06-05 16:12 | ||
| 660 downloads | 1.1 | Dana Glass | 2016-08-09 16:44 | ||
| 598 downloads | 1.0 | Dana Glass | 2016-07-22 17:21 | ||
| 778 downloads | 1.0 | Dana Glass | 2016-07-22 16:08 | ||
| 605 downloads | 1.0 | Dana Glass | 2016-07-21 17:19 | ||
| 688 downloads | 1.0 | Dana Glass | 2016-06-20 17:24 | ||
| 642 downloads | 1.0 | Dana Glass | 2016-06-06 17:07 | ||
| 612 downloads | 1.0 | Dana Glass | 2016-02-15 17:23 | ||
| 596 downloads | 1.0 | Dana Glass | 2014-03-31 15:55 | ||
| 607 downloads | 1.0 | Dana Glass | 2014-03-28 17:31 | ||
| 612 downloads | 1.0 | Dana Glass | 2013-11-07 15:58 | ||
| 627 downloads | 1.0 | Dana Glass | 2013-07-15 15:51 | ||
| 722 downloads | 1.0 | Dana Glass | 2013-05-29 15:53 | ||
| 713 downloads | 1.0 | Dana Glass | 2013-05-28 16:06 | ||
| 642 downloads | 1.0 | Dana Glass | 2013-05-13 17:35 | ||
| 628 downloads | 1.1 | Dana Glass | 2013-04-08 17:55 | ||
| 650 downloads | 1.0 | Dana Glass | 2013-01-29 16:03 | ||
| 669 downloads | 1.0 | Dana Glass | 2013-01-11 16:01 | ||
| 557 downloads | 1.0 | Dana Glass | 2012-10-25 15:56 | ||
| 652 downloads | 1.0 | Dana Glass | 2012-10-09 17:28 | ||
| 742 downloads | 1.0 | Dana Glass | 2012-08-09 18:14 | ||
| 629 downloads | 1.0 | Dana Glass | 2012-07-03 18:00 | ||
| 671 downloads | 1.0 | Dana Glass | 2012-06-17 17:33 | ||
| 650 downloads | 1.0 | Dana Glass | 2012-06-04 17:46 | ||
| 691 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