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 |
| 824 downloads | 1.0 | Dana Glass | 2017-06-08 17:14 | ||
| 579 downloads | 1.0 | Dana Glass | 2017-06-07 17:18 | ||
| 593 downloads | 1.0 | Dana Glass | 2017-06-06 16:10 | ||
| 527 downloads | 1.1 | Dana Glass | 2017-06-05 16:13 | ||
| 593 downloads | 1.0 | Dana Glass | 2017-06-05 16:12 | ||
| 574 downloads | 1.1 | Dana Glass | 2016-08-09 16:44 | ||
| 506 downloads | 1.0 | Dana Glass | 2016-07-22 17:21 | ||
| 684 downloads | 1.0 | Dana Glass | 2016-07-22 16:08 | ||
| 524 downloads | 1.0 | Dana Glass | 2016-07-21 17:19 | ||
| 581 downloads | 1.0 | Dana Glass | 2016-06-20 17:24 | ||
| 568 downloads | 1.0 | Dana Glass | 2016-06-06 17:07 | ||
| 543 downloads | 1.0 | Dana Glass | 2016-02-15 17:23 | ||
| 508 downloads | 1.0 | Dana Glass | 2014-03-31 15:55 | ||
| 519 downloads | 1.0 | Dana Glass | 2014-03-28 17:31 | ||
| 537 downloads | 1.0 | Dana Glass | 2013-11-07 15:58 | ||
| 560 downloads | 1.0 | Dana Glass | 2013-07-15 15:51 | ||
| 605 downloads | 1.0 | Dana Glass | 2013-05-29 15:53 | ||
| 621 downloads | 1.0 | Dana Glass | 2013-05-28 16:06 | ||
| 545 downloads | 1.0 | Dana Glass | 2013-05-13 17:35 | ||
| 551 downloads | 1.1 | Dana Glass | 2013-04-08 17:55 | ||
| 573 downloads | 1.0 | Dana Glass | 2013-01-29 16:03 | ||
| 587 downloads | 1.0 | Dana Glass | 2013-01-11 16:01 | ||
| 493 downloads | 1.0 | Dana Glass | 2012-10-25 15:56 | ||
| 578 downloads | 1.0 | Dana Glass | 2012-10-09 17:28 | ||
| 673 downloads | 1.0 | Dana Glass | 2012-08-09 18:14 | ||
| 554 downloads | 1.0 | Dana Glass | 2012-07-03 18:00 | ||
| 583 downloads | 1.0 | Dana Glass | 2012-06-17 17:33 | ||
| 562 downloads | 1.0 | Dana Glass | 2012-06-04 17:46 | ||
| 606 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