Download or read book An Analysis of Competition in the Title Insurance Industry written by Joseph Real Brown and published by . This book was released on 1964 with total page 624 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book An Analysis of Competition in the California Title Insurance and Escrow Industry written by California. Department of Insurance and published by . This book was released on 2005 with total page 112 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Competitive Practices in the Title Insurance Industry written by United States. Congress. House. Committee on the Judiciary. Subcommittee on Monopolies and Commercial Law and published by . This book was released on 1989 with total page 326 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Competitive Practices in the Title Insurance Industry written by United States. Congress. House. Committee on the Judiciary. Subcommittee on Monopolies and Commercial Law and published by . This book was released on 1989 with total page 320 pages. Available in PDF, EPUB and Kindle. Book excerpt:
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 The American Title Insurance Industry written by Joseph W. Eaton and published by NYU Press. This book was released on 2007 with total page 301 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book The Title Insurance Industry written by American Land Title Association. Research Committee and published by . This book was released on 1979 with total page 16 pages. Available in PDF, EPUB and Kindle. Book excerpt:
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 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 United States Government Accountability Office and published by Createspace Independent Publishing Platform. This book was released on 2017-09-15 with total page 24 pages. Available in PDF, EPUB and Kindle. Book excerpt: Title insurance is a required element of almost all real estate purchases and is not an insignificant cost for consumers. However, consumers generally do not have the knowledge needed to "shop around" for title insurance and usually rely on professionals involved in real estate-such as lenders, real estate agents, and attorneys-for advice in selecting a title insurer. Recent state and federal investigations into title insurance sales have identified practices that may have benefited these professionals and title insurance providers at the expense of consumers. At your request, GAO currently has work under way studying the title insurance industry, including pricing, competition, the size of the market, the roles of the various participants in the market, and how they are regulated. You asked GAO to identify and report on preliminary issues for further study. In so doing, this report focuses on: (1) the reasonableness of cost structures and agent practices common to the title insurance market that are not typical of other insurance markets; (2) the implications of activities identified in recent state and federal investigations that may
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 287 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 Pricing and Marketing of Insurance written by United States. Department of Justice and published by . This book was released on 1977 with total page 400 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Regulation Versus Competition written by Beibei Zou and published by . This book was released on 2012 with total page 70 pages. Available in PDF, EPUB and Kindle. Book excerpt: This study uses a multilevel model of change to assess the effects of five distinguished regulation styles in title insurance on insurance premiums. This study finds that the states promulgating title insurance premiums have higher charges than the states allowing free competition in the title insurance market. The other regulation styles do not have significantly different impacts on title insurance premiums from free competition. In addition, market characteristics such as home sales, housing price, and property value can also influence title insurance premiums. This study explains the title insurance premium variation among states. The research outcomes can also provide insights into the ongoing regulatory reform in title insurance, in particular in the states using the promulgation regulation style.
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 514 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Mortgages written by Hank C. Sentowski and published by Nova Publishers. This book was released on 2007 with total page 186 pages. Available in PDF, EPUB and Kindle. Book excerpt: A mortgage represents a loan or lien on a property/house that has to be paid over a specified period of time. Mortgages come in many different shapes and sizes, each with its own advantages and disadvantages, terminology and vested interests. Mortgages represent one of the most (if not the most) significant investment decisions most individuals will make in their lifetimes. This new book presents invaluable information on some of the primary types of mortgages as well as FAQ and future trends in the industry.
Download or read book Report of the Commission to Study the Title Insurance Industry in Maryland written by Commission to Study the Title Insurance Industry in Maryland and published by . This book was released on 2010 with total page 240 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Competitive Practices in the Title Insurance Industry written by United States. Congress. House. Committee on the Judiciary. Subcommittee on Monopolies and Commercial Law and published by . This book was released on 1989 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt:
