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 |
| 943 downloads | 1.0 | Dana Glass | 2017-06-08 17:14 | ||
| 719 downloads | 1.0 | Dana Glass | 2017-06-07 17:18 | ||
| 708 downloads | 1.0 | Dana Glass | 2017-06-06 16:10 | ||
| 655 downloads | 1.1 | Dana Glass | 2017-06-05 16:13 | ||
| 717 downloads | 1.0 | Dana Glass | 2017-06-05 16:12 | ||
| 704 downloads | 1.1 | Dana Glass | 2016-08-09 16:44 | ||
| 640 downloads | 1.0 | Dana Glass | 2016-07-22 17:21 | ||
| 819 downloads | 1.0 | Dana Glass | 2016-07-22 16:08 | ||
| 648 downloads | 1.0 | Dana Glass | 2016-07-21 17:19 | ||
| 729 downloads | 1.0 | Dana Glass | 2016-06-20 17:24 | ||
| 677 downloads | 1.0 | Dana Glass | 2016-06-06 17:07 | ||
| 649 downloads | 1.0 | Dana Glass | 2016-02-15 17:23 | ||
| 637 downloads | 1.0 | Dana Glass | 2014-03-31 15:55 | ||
| 646 downloads | 1.0 | Dana Glass | 2014-03-28 17:31 | ||
| 660 downloads | 1.0 | Dana Glass | 2013-11-07 15:58 | ||
| 669 downloads | 1.0 | Dana Glass | 2013-07-15 15:51 | ||
| 770 downloads | 1.0 | Dana Glass | 2013-05-29 15:53 | ||
| 761 downloads | 1.0 | Dana Glass | 2013-05-28 16:06 | ||
| 681 downloads | 1.0 | Dana Glass | 2013-05-13 17:35 | ||
| 670 downloads | 1.1 | Dana Glass | 2013-04-08 17:55 | ||
| 689 downloads | 1.0 | Dana Glass | 2013-01-29 16:03 | ||
| 710 downloads | 1.0 | Dana Glass | 2013-01-11 16:01 | ||
| 598 downloads | 1.0 | Dana Glass | 2012-10-25 15:56 | ||
| 698 downloads | 1.0 | Dana Glass | 2012-10-09 17:28 | ||
| 780 downloads | 1.0 | Dana Glass | 2012-08-09 18:14 | ||
| 671 downloads | 1.0 | Dana Glass | 2012-07-03 18:00 | ||
| 712 downloads | 1.0 | Dana Glass | 2012-06-17 17:33 | ||
| 698 downloads | 1.0 | Dana Glass | 2012-06-04 17:46 | ||
| 731 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