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 |
| 1098 downloads | 1.0 | Dana Glass | 2017-06-08 17:14 | ||
| 915 downloads | 1.0 | Dana Glass | 2017-06-07 17:18 | ||
| 868 downloads | 1.0 | Dana Glass | 2017-06-06 16:10 | ||
| 755 downloads | 1.1 | Dana Glass | 2017-06-05 16:13 | ||
| 878 downloads | 1.0 | Dana Glass | 2017-06-05 16:12 | ||
| 859 downloads | 1.1 | Dana Glass | 2016-08-09 16:44 | ||
| 783 downloads | 1.0 | Dana Glass | 2016-07-22 17:21 | ||
| 977 downloads | 1.0 | Dana Glass | 2016-07-22 16:08 | ||
| 800 downloads | 1.0 | Dana Glass | 2016-07-21 17:19 | ||
| 916 downloads | 1.0 | Dana Glass | 2016-06-20 17:24 | ||
| 825 downloads | 1.0 | Dana Glass | 2016-06-06 17:07 | ||
| 798 downloads | 1.0 | Dana Glass | 2016-02-15 17:23 | ||
| 835 downloads | 1.0 | Dana Glass | 2014-03-31 15:55 | ||
| 801 downloads | 1.0 | Dana Glass | 2014-03-28 17:31 | ||
| 793 downloads | 1.0 | Dana Glass | 2013-11-07 15:58 | ||
| 827 downloads | 1.0 | Dana Glass | 2013-07-15 15:51 | ||
| 950 downloads | 1.0 | Dana Glass | 2013-05-29 15:53 | ||
| 938 downloads | 1.0 | Dana Glass | 2013-05-28 16:06 | ||
| 826 downloads | 1.0 | Dana Glass | 2013-05-13 17:35 | ||
| 831 downloads | 1.1 | Dana Glass | 2013-04-08 17:55 | ||
| 832 downloads | 1.0 | Dana Glass | 2013-01-29 16:03 | ||
| 874 downloads | 1.0 | Dana Glass | 2013-01-11 16:01 | ||
| 747 downloads | 1.0 | Dana Glass | 2012-10-25 15:56 | ||
| 856 downloads | 1.0 | Dana Glass | 2012-10-09 17:28 | ||
| 925 downloads | 1.0 | Dana Glass | 2012-08-09 18:14 | ||
| 822 downloads | 1.0 | Dana Glass | 2012-07-03 18:00 | ||
| 879 downloads | 1.0 | Dana Glass | 2012-06-17 17:33 | ||
| 855 downloads | 1.0 | Dana Glass | 2012-06-04 17:46 | ||
| 889 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