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 |
| 989 downloads | 1.0 | Dana Glass | 2017-06-08 17:14 | ||
| 764 downloads | 1.0 | Dana Glass | 2017-06-07 17:18 | ||
| 747 downloads | 1.0 | Dana Glass | 2017-06-06 16:10 | ||
| 675 downloads | 1.1 | Dana Glass | 2017-06-05 16:13 | ||
| 755 downloads | 1.0 | Dana Glass | 2017-06-05 16:12 | ||
| 747 downloads | 1.1 | Dana Glass | 2016-08-09 16:44 | ||
| 685 downloads | 1.0 | Dana Glass | 2016-07-22 17:21 | ||
| 860 downloads | 1.0 | Dana Glass | 2016-07-22 16:08 | ||
| 690 downloads | 1.0 | Dana Glass | 2016-07-21 17:19 | ||
| 776 downloads | 1.0 | Dana Glass | 2016-06-20 17:24 | ||
| 718 downloads | 1.0 | Dana Glass | 2016-06-06 17:07 | ||
| 695 downloads | 1.0 | Dana Glass | 2016-02-15 17:23 | ||
| 683 downloads | 1.0 | Dana Glass | 2014-03-31 15:55 | ||
| 683 downloads | 1.0 | Dana Glass | 2014-03-28 17:31 | ||
| 695 downloads | 1.0 | Dana Glass | 2013-11-07 15:58 | ||
| 709 downloads | 1.0 | Dana Glass | 2013-07-15 15:51 | ||
| 814 downloads | 1.0 | Dana Glass | 2013-05-29 15:53 | ||
| 805 downloads | 1.0 | Dana Glass | 2013-05-28 16:06 | ||
| 726 downloads | 1.0 | Dana Glass | 2013-05-13 17:35 | ||
| 710 downloads | 1.1 | Dana Glass | 2013-04-08 17:55 | ||
| 727 downloads | 1.0 | Dana Glass | 2013-01-29 16:03 | ||
| 755 downloads | 1.0 | Dana Glass | 2013-01-11 16:01 | ||
| 641 downloads | 1.0 | Dana Glass | 2012-10-25 15:56 | ||
| 735 downloads | 1.0 | Dana Glass | 2012-10-09 17:28 | ||
| 825 downloads | 1.0 | Dana Glass | 2012-08-09 18:14 | ||
| 710 downloads | 1.0 | Dana Glass | 2012-07-03 18:00 | ||
| 758 downloads | 1.0 | Dana Glass | 2012-06-17 17:33 | ||
| 741 downloads | 1.0 | Dana Glass | 2012-06-04 17:46 | ||
| 773 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