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 |
| 1105 downloads | 1.0 | Dana Glass | 2017-06-08 17:14 | ||
| 936 downloads | 1.0 | Dana Glass | 2017-06-07 17:18 | ||
| 875 downloads | 1.0 | Dana Glass | 2017-06-06 16:10 | ||
| 763 downloads | 1.1 | Dana Glass | 2017-06-05 16:13 | ||
| 890 downloads | 1.0 | Dana Glass | 2017-06-05 16:12 | ||
| 864 downloads | 1.1 | Dana Glass | 2016-08-09 16:44 | ||
| 796 downloads | 1.0 | Dana Glass | 2016-07-22 17:21 | ||
| 986 downloads | 1.0 | Dana Glass | 2016-07-22 16:08 | ||
| 810 downloads | 1.0 | Dana Glass | 2016-07-21 17:19 | ||
| 931 downloads | 1.0 | Dana Glass | 2016-06-20 17:24 | ||
| 830 downloads | 1.0 | Dana Glass | 2016-06-06 17:07 | ||
| 808 downloads | 1.0 | Dana Glass | 2016-02-15 17:23 | ||
| 847 downloads | 1.0 | Dana Glass | 2014-03-31 15:55 | ||
| 812 downloads | 1.0 | Dana Glass | 2014-03-28 17:31 | ||
| 803 downloads | 1.0 | Dana Glass | 2013-11-07 15:58 | ||
| 840 downloads | 1.0 | Dana Glass | 2013-07-15 15:51 | ||
| 962 downloads | 1.0 | Dana Glass | 2013-05-29 15:53 | ||
| 958 downloads | 1.0 | Dana Glass | 2013-05-28 16:06 | ||
| 832 downloads | 1.0 | Dana Glass | 2013-05-13 17:35 | ||
| 838 downloads | 1.1 | Dana Glass | 2013-04-08 17:55 | ||
| 839 downloads | 1.0 | Dana Glass | 2013-01-29 16:03 | ||
| 885 downloads | 1.0 | Dana Glass | 2013-01-11 16:01 | ||
| 758 downloads | 1.0 | Dana Glass | 2012-10-25 15:56 | ||
| 862 downloads | 1.0 | Dana Glass | 2012-10-09 17:28 | ||
| 933 downloads | 1.0 | Dana Glass | 2012-08-09 18:14 | ||
| 830 downloads | 1.0 | Dana Glass | 2012-07-03 18:00 | ||
| 889 downloads | 1.0 | Dana Glass | 2012-06-17 17:33 | ||
| 867 downloads | 1.0 | Dana Glass | 2012-06-04 17:46 | ||
| 897 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