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 |
| 1093 downloads | 1.0 | Dana Glass | 2017-06-08 17:14 | ||
| 897 downloads | 1.0 | Dana Glass | 2017-06-07 17:18 | ||
| 857 downloads | 1.0 | Dana Glass | 2017-06-06 16:10 | ||
| 748 downloads | 1.1 | Dana Glass | 2017-06-05 16:13 | ||
| 863 downloads | 1.0 | Dana Glass | 2017-06-05 16:12 | ||
| 852 downloads | 1.1 | Dana Glass | 2016-08-09 16:44 | ||
| 779 downloads | 1.0 | Dana Glass | 2016-07-22 17:21 | ||
| 964 downloads | 1.0 | Dana Glass | 2016-07-22 16:08 | ||
| 797 downloads | 1.0 | Dana Glass | 2016-07-21 17:19 | ||
| 899 downloads | 1.0 | Dana Glass | 2016-06-20 17:24 | ||
| 817 downloads | 1.0 | Dana Glass | 2016-06-06 17:07 | ||
| 792 downloads | 1.0 | Dana Glass | 2016-02-15 17:23 | ||
| 816 downloads | 1.0 | Dana Glass | 2014-03-31 15:55 | ||
| 793 downloads | 1.0 | Dana Glass | 2014-03-28 17:31 | ||
| 784 downloads | 1.0 | Dana Glass | 2013-11-07 15:58 | ||
| 812 downloads | 1.0 | Dana Glass | 2013-07-15 15:51 | ||
| 932 downloads | 1.0 | Dana Glass | 2013-05-29 15:53 | ||
| 928 downloads | 1.0 | Dana Glass | 2013-05-28 16:06 | ||
| 817 downloads | 1.0 | Dana Glass | 2013-05-13 17:35 | ||
| 824 downloads | 1.1 | Dana Glass | 2013-04-08 17:55 | ||
| 827 downloads | 1.0 | Dana Glass | 2013-01-29 16:03 | ||
| 863 downloads | 1.0 | Dana Glass | 2013-01-11 16:01 | ||
| 741 downloads | 1.0 | Dana Glass | 2012-10-25 15:56 | ||
| 851 downloads | 1.0 | Dana Glass | 2012-10-09 17:28 | ||
| 916 downloads | 1.0 | Dana Glass | 2012-08-09 18:14 | ||
| 811 downloads | 1.0 | Dana Glass | 2012-07-03 18:00 | ||
| 872 downloads | 1.0 | Dana Glass | 2012-06-17 17:33 | ||
| 847 downloads | 1.0 | Dana Glass | 2012-06-04 17:46 | ||
| 880 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