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 |
| 509 downloads | 1.0 | Dana Glass | 2017-06-08 17:14 | ||
| 524 downloads | 1.0 | Dana Glass | 2017-06-07 17:18 | ||
| 545 downloads | 1.0 | Dana Glass | 2017-06-06 16:10 | ||
| 471 downloads | 1.1 | Dana Glass | 2017-06-05 16:13 | ||
| 535 downloads | 1.0 | Dana Glass | 2017-06-05 16:12 | ||
| 517 downloads | 1.1 | Dana Glass | 2016-08-09 16:44 | ||
| 460 downloads | 1.0 | Dana Glass | 2016-07-22 17:21 | ||
| 620 downloads | 1.0 | Dana Glass | 2016-07-22 16:08 | ||
| 477 downloads | 1.0 | Dana Glass | 2016-07-21 17:19 | ||
| 534 downloads | 1.0 | Dana Glass | 2016-06-20 17:24 | ||
| 523 downloads | 1.0 | Dana Glass | 2016-06-06 17:07 | ||
| 495 downloads | 1.0 | Dana Glass | 2016-02-15 17:23 | ||
| 462 downloads | 1.0 | Dana Glass | 2014-03-31 15:55 | ||
| 466 downloads | 1.0 | Dana Glass | 2014-03-28 17:31 | ||
| 491 downloads | 1.0 | Dana Glass | 2013-11-07 15:58 | ||
| 508 downloads | 1.0 | Dana Glass | 2013-07-15 15:51 | ||
| 542 downloads | 1.0 | Dana Glass | 2013-05-29 15:53 | ||
| 574 downloads | 1.0 | Dana Glass | 2013-05-28 16:06 | ||
| 476 downloads | 1.0 | Dana Glass | 2013-05-13 17:35 | ||
| 493 downloads | 1.1 | Dana Glass | 2013-04-08 17:55 | ||
| 517 downloads | 1.0 | Dana Glass | 2013-01-29 16:03 | ||
| 535 downloads | 1.0 | Dana Glass | 2013-01-11 16:01 | ||
| 446 downloads | 1.0 | Dana Glass | 2012-10-25 15:56 | ||
| 531 downloads | 1.0 | Dana Glass | 2012-10-09 17:28 | ||
| 622 downloads | 1.0 | Dana Glass | 2012-08-09 18:14 | ||
| 507 downloads | 1.0 | Dana Glass | 2012-07-03 18:00 | ||
| 529 downloads | 1.0 | Dana Glass | 2012-06-17 17:33 | ||
| 519 downloads | 1.0 | Dana Glass | 2012-06-04 17:46 | ||
| 550 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