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 |
| 1137 downloads | 1.0 | Dana Glass | 2017-06-08 17:14 | ||
| 966 downloads | 1.0 | Dana Glass | 2017-06-07 17:18 | ||
| 896 downloads | 1.0 | Dana Glass | 2017-06-06 16:10 | ||
| 789 downloads | 1.1 | Dana Glass | 2017-06-05 16:13 | ||
| 912 downloads | 1.0 | Dana Glass | 2017-06-05 16:12 | ||
| 897 downloads | 1.1 | Dana Glass | 2016-08-09 16:44 | ||
| 825 downloads | 1.0 | Dana Glass | 2016-07-22 17:21 | ||
| 1016 downloads | 1.0 | Dana Glass | 2016-07-22 16:08 | ||
| 834 downloads | 1.0 | Dana Glass | 2016-07-21 17:19 | ||
| 966 downloads | 1.0 | Dana Glass | 2016-06-20 17:24 | ||
| 856 downloads | 1.0 | Dana Glass | 2016-06-06 17:07 | ||
| 843 downloads | 1.0 | Dana Glass | 2016-02-15 17:23 | ||
| 889 downloads | 1.0 | Dana Glass | 2014-03-31 15:55 | ||
| 846 downloads | 1.0 | Dana Glass | 2014-03-28 17:31 | ||
| 841 downloads | 1.0 | Dana Glass | 2013-11-07 15:58 | ||
| 871 downloads | 1.0 | Dana Glass | 2013-07-15 15:51 | ||
| 999 downloads | 1.0 | Dana Glass | 2013-05-29 15:53 | ||
| 990 downloads | 1.0 | Dana Glass | 2013-05-28 16:06 | ||
| 857 downloads | 1.0 | Dana Glass | 2013-05-13 17:35 | ||
| 860 downloads | 1.1 | Dana Glass | 2013-04-08 17:55 | ||
| 865 downloads | 1.0 | Dana Glass | 2013-01-29 16:03 | ||
| 922 downloads | 1.0 | Dana Glass | 2013-01-11 16:01 | ||
| 785 downloads | 1.0 | Dana Glass | 2012-10-25 15:56 | ||
| 886 downloads | 1.0 | Dana Glass | 2012-10-09 17:28 | ||
| 960 downloads | 1.0 | Dana Glass | 2012-08-09 18:14 | ||
| 855 downloads | 1.0 | Dana Glass | 2012-07-03 18:00 | ||
| 910 downloads | 1.0 | Dana Glass | 2012-06-17 17:33 | ||
| 897 downloads | 1.0 | Dana Glass | 2012-06-04 17:46 | ||
| 925 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