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 |
| 157 downloads | 1.0 | Dana Glass | 2017-06-08 17:14 | ||
| 125 downloads | 1.0 | Dana Glass | 2017-06-07 17:18 | ||
| 134 downloads | 1.0 | Dana Glass | 2017-06-06 16:10 | ||
| 125 downloads | 1.1 | Dana Glass | 2017-06-05 16:13 | ||
| 129 downloads | 1.0 | Dana Glass | 2017-06-05 16:12 | ||
| 128 downloads | 1.1 | Dana Glass | 2016-08-09 16:44 | ||
| 118 downloads | 1.0 | Dana Glass | 2016-07-22 17:21 | ||
| 138 downloads | 1.0 | Dana Glass | 2016-07-22 16:08 | ||
| 139 downloads | 1.0 | Dana Glass | 2016-07-21 17:19 | ||
| 111 downloads | 1.0 | Dana Glass | 2016-06-20 17:24 | ||
| 124 downloads | 1.0 | Dana Glass | 2016-06-06 17:07 | ||
| 118 downloads | 1.0 | Dana Glass | 2016-02-15 17:23 | ||
| 116 downloads | 1.0 | Dana Glass | 2014-03-31 15:55 | ||
| 117 downloads | 1.0 | Dana Glass | 2014-03-28 17:31 | ||
| 113 downloads | 1.0 | Dana Glass | 2013-11-07 15:58 | ||
| 118 downloads | 1.0 | Dana Glass | 2013-07-15 15:51 | ||
| 126 downloads | 1.0 | Dana Glass | 2013-05-29 15:53 | ||
| 143 downloads | 1.0 | Dana Glass | 2013-05-28 16:06 | ||
| 125 downloads | 1.0 | Dana Glass | 2013-05-13 17:35 | ||
| 110 downloads | 1.1 | Dana Glass | 2013-04-08 17:55 | ||
| 129 downloads | 1.0 | Dana Glass | 2013-01-29 16:03 | ||
| 123 downloads | 1.0 | Dana Glass | 2013-01-11 16:01 | ||
| 114 downloads | 1.0 | Dana Glass | 2012-10-25 15:56 | ||
| 114 downloads | 1.0 | Dana Glass | 2012-10-09 17:28 | ||
| 153 downloads | 1.0 | Dana Glass | 2012-08-09 18:14 | ||
| 126 downloads | 1.0 | Dana Glass | 2012-07-03 18:00 | ||
| 129 downloads | 1.0 | Dana Glass | 2012-06-17 17:33 | ||
| 106 downloads | 1.0 | Dana Glass | 2012-06-04 17:46 | ||
| 129 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