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 |
| 191 downloads | 1.0 | Dana Glass | 2017-06-08 17:14 | ||
| 159 downloads | 1.0 | Dana Glass | 2017-06-07 17:18 | ||
| 174 downloads | 1.0 | Dana Glass | 2017-06-06 16:10 | ||
| 156 downloads | 1.1 | Dana Glass | 2017-06-05 16:13 | ||
| 168 downloads | 1.0 | Dana Glass | 2017-06-05 16:12 | ||
| 163 downloads | 1.1 | Dana Glass | 2016-08-09 16:44 | ||
| 150 downloads | 1.0 | Dana Glass | 2016-07-22 17:21 | ||
| 192 downloads | 1.0 | Dana Glass | 2016-07-22 16:08 | ||
| 172 downloads | 1.0 | Dana Glass | 2016-07-21 17:19 | ||
| 148 downloads | 1.0 | Dana Glass | 2016-06-20 17:24 | ||
| 159 downloads | 1.0 | Dana Glass | 2016-06-06 17:07 | ||
| 151 downloads | 1.0 | Dana Glass | 2016-02-15 17:23 | ||
| 153 downloads | 1.0 | Dana Glass | 2014-03-31 15:55 | ||
| 147 downloads | 1.0 | Dana Glass | 2014-03-28 17:31 | ||
| 157 downloads | 1.0 | Dana Glass | 2013-11-07 15:58 | ||
| 154 downloads | 1.0 | Dana Glass | 2013-07-15 15:51 | ||
| 174 downloads | 1.0 | Dana Glass | 2013-05-29 15:53 | ||
| 226 downloads | 1.0 | Dana Glass | 2013-05-28 16:06 | ||
| 161 downloads | 1.0 | Dana Glass | 2013-05-13 17:35 | ||
| 142 downloads | 1.1 | Dana Glass | 2013-04-08 17:55 | ||
| 161 downloads | 1.0 | Dana Glass | 2013-01-29 16:03 | ||
| 161 downloads | 1.0 | Dana Glass | 2013-01-11 16:01 | ||
| 147 downloads | 1.0 | Dana Glass | 2012-10-25 15:56 | ||
| 152 downloads | 1.0 | Dana Glass | 2012-10-09 17:28 | ||
| 209 downloads | 1.0 | Dana Glass | 2012-08-09 18:14 | ||
| 162 downloads | 1.0 | Dana Glass | 2012-07-03 18:00 | ||
| 167 downloads | 1.0 | Dana Glass | 2012-06-17 17:33 | ||
| 139 downloads | 1.0 | Dana Glass | 2012-06-04 17:46 | ||
| 164 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