Download or read book The American Title Insurance Industry written by Joseph W Eaton and published by NYU Press. This book was released on 2007-08-01 with total page 303 pages. Available in PDF, EPUB and Kindle. Book excerpt: After World War II, banks and other mortgage lenders began requiring insurance to protect them against flawed or defective real estate titles. Over the past sixty years, the title insurance industry has grown steadily in size, power, and secrecy: policies are available for both lenders and property owners and many title insurers offer an array of other real estate services, such as escrow and appraisal. Yet details about the industry’s operational procedures remain closely guarded from public exposure. In The American Title Insurance Industry, Joseph and David Eaton present evidence that improvements in recordkeeping over the last sixty years—particularly the advent of computers—have reduced the likelihood of a defective title going unnoticed in a property transaction. But the industry’s flaws run deeper than mere obsolescence: in most states, title insurers are allowed to engage in anticompetitive business practices, including price-fixing. Among the findings in this meticulously researched study are instances of insurers charging premiums well above the amount necessary to compensate them for assuming the risk of defect and identical policies with identical risk that vary in price by hundreds of percentage points for different geographic locations. The authors also examine the widely ignored role that the federal and most state governments play in perpetuating the title insurance industry’s unfair practices. Whereas most private industries prefer as little government intervention as possible, title insurers welcome it. Federal statue exempts title insurers from anti-trust liability, opening the door for price-fixing and destroying any semblance of free-market competition or market power for consumers. A landmark study for elected officials, and all those involved in the insurance, real estate, and brokerage industries, The American Title Insurance Industry brings to light a long-neglected problem—and offers suggestions for how it might be remedied.
Download or read book The American Title Insurance Industry written by Joseph W. Eaton and published by . This book was released on 2007 with total page 287 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book The American Title Insurance Industry written by Joseph W Eaton and published by NYU Press. This book was released on 2007-08-01 with total page 303 pages. Available in PDF, EPUB and Kindle. Book excerpt: After World War II, banks and other mortgage lenders began requiring insurance to protect them against flawed or defective real estate titles. Over the past sixty years, the title insurance industry has grown steadily in size, power, and secrecy: policies are available for both lenders and property owners and many title insurers offer an array of other real estate services, such as escrow and appraisal. Yet details about the industry’s operational procedures remain closely guarded from public exposure. In The American Title Insurance Industry, Joseph and David Eaton present evidence that improvements in recordkeeping over the last sixty years—particularly the advent of computers—have reduced the likelihood of a defective title going unnoticed in a property transaction. But the industry’s flaws run deeper than mere obsolescence: in most states, title insurers are allowed to engage in anticompetitive business practices, including price-fixing. Among the findings in this meticulously researched study are instances of insurers charging premiums well above the amount necessary to compensate them for assuming the risk of defect and identical policies with identical risk that vary in price by hundreds of percentage points for different geographic locations. The authors also examine the widely ignored role that the federal and most state governments play in perpetuating the title insurance industry’s unfair practices. Whereas most private industries prefer as little government intervention as possible, title insurers welcome it. Federal statue exempts title insurers from anti-trust liability, opening the door for price-fixing and destroying any semblance of free-market competition or market power for consumers. A landmark study for elected officials, and all those involved in the insurance, real estate, and brokerage industries, The American Title Insurance Industry brings to light a long-neglected problem—and offers suggestions for how it might be remedied.
Download or read book Title Insurance written by Orice M. Williams and published by DIANE Publishing. This book was released on 2007-08 with total page 86 pages. Available in PDF, EPUB and Kindle. Book excerpt: Previously, the author identified issues related to title insurance markets, including questions about the extent to which premium rates reflect underlying costs, oversight of title agent practices, & the implications of recent state & fed. investigations. This report addresses those issues by examining: (1) the characteristics of title insurance markets across states; (2) factors influencing competition & prices within those markets; & (3) the current regulatory environment & planned regulatory changes. To conduct this review, the author analyzed available industry data & studies, & interviewed industry & regulatory officials in a sample of 6 states selected on the basis of differences in size, industry practices, regulatory environments, & number of investigations.
Download or read book Title Insurance written by United States. Congress. House. Committee on Financial Services. Subcommittee on Housing and Community Opportunity and published by . This book was released on 2006 with total page 516 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Title Insurance written by James L. Gosdin and published by American Bar Association. This book was released on 2007 with total page 1026 pages. Available in PDF, EPUB and Kindle. Book excerpt: Secure the best title insurance coverage with the assistance of this revised and completely updated deskbook. Comprehensive yet practical, this book provides the expert tools and essential information for transactional real estate attorneys who need to understand the complexities of title insurance coverage. Of critical importance is the detailed legal analysis of the new 2006 ALTA Forms, including the 2006 ALTA Owner's Policy and 2006 ALTA Loan Policy. This edition now includes an invaluable CD-ROM containing the complete appendices.
Download or read book Law of Title Insurance written by D. Barlow Burke and published by Aspen Publishers. This book was released on 2000 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: Widely cited in appellate and state supreme courts, this best-selling handbook offers clause-by-clause analysis of the standard title insurance policy (based on the American Land Title Association Model Policies), with detailed discussion of all significant new and leading cases as issues arise. Turn confidently to Burke's Law of Title Insurance for expert analysis on: Exceptions and exclusions Claim procedures Measure of damages State and federal regulation of insurers The ALTA short-form policies The authority of escrow agencies Unfair claims settlement acts Insurer's duty to defend Mortgage lender self-insurance Drug forfeiture of property and the innocent owner defense Title insurance sales by national banks Insurer's duty to search for information that would affect the insured's decision to proceed with a purchase Law of Title Insurance from Aspen Publishers features an appendix of easy-to-adapt forms, as well as a handy comparison of owner's and lender's policies with corresponding provisions printed on facing pages.
Download or read book Public Regulation of Title Insurance Companies and Abstracters written by Ernest F. Roberts and published by . This book was released on 1961 with total page 372 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book The Regulatory Economics of Title Insurance written by Nelson R. Lipshutz and published by Praeger. This book was released on 1994-03-14 with total page 176 pages. Available in PDF, EPUB and Kindle. Book excerpt: Title insurance is central to the health of the home mortgage market and the commerical real estate business, and its regulation has a profound impact on the prices that consumers pay for title insurance and the kinds of coverages that are available. Dr. Lipshutz provides a concise but comprehensive overview of the key economic policy issues that arise in regulating this small but critical segment of the insurance industry. This is the first book to examine title insurance from a primarily economic viewpoint and contains much information on the operations of the industry that is available nowhere else. The book is particularly timely because title insurance regulation is currently under intensive study by a number of state insurance departments and by the National Association of Insurance Commissioners.
Download or read book Title Insurance and You written by American Bar Association. Section of Real Property, Probate, and Trust Law and published by American Bar Association. This book was released on 1979 with total page 276 pages. Available in PDF, EPUB and Kindle. Book excerpt: This text contains numerous policies, forms, endorsements, and other documents that will assist in structuring succesful transactions.
Download or read book Fundamentals of Title Insurance written by James L. Gosdin and published by American Bar Association. This book was released on 2014 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: A broad yet thorough overview, this book explains the basic elements of title insurance and gives attorneys and real estate professionals the practical knowledge and tools to counsel and protect their clients. Written in an accessible style, it explains what title insurance means, what it can and cannot do, and what can be asked for in a real estate transaction. It provides examples, practice pointers, charts and checklists to explain key points. It covers all relevant topics, including a general background of title insurance, its variations and common features, typical title insurance coverage and issues; explanations of the 2006 ALTA Loan Policy and the 2006 ALTA Owner's Policy, and much more.
Download or read book Title News written by and published by . This book was released on 1927 with total page 900 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Insurance Industry in Colorado Statistical Report written by Colorado. Division of Insurance and published by . This book was released on 1979 with total page 180 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book First American Title to Injustice written by Louis Leclézio and published by Louis Leclezio. This book was released on 2006 with total page 236 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Plunkett s Insurance Industry Almanac written by Jack W. Plunkett and published by Plunkett Research, Ltd.. This book was released on 2006-11 with total page 472 pages. Available in PDF, EPUB and Kindle. Book excerpt: Covers the business of insurance and risk management, and is a tool for market research, strategic planning, competetive intelligence or employment searches. This book contains trends, statistical tables and an industry glossary. It also provides profiles of more than 300 of the world's leading insurance companies.
Download or read book Insurance Industry in Colorado Statistical Report written by and published by . This book was released on 1963 with total page 380 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Current Developments in Title Insurance written by and published by . This book was released on 1992 with total page 846 pages. Available in PDF, EPUB and Kindle. Book excerpt:
