Why Texas Needs Competition in the Title Insurance Market

February 10, 2017

Texas has the most heavily regulated title insurance market in the country; unlike most other states, the government sets a fixed rate for title insurance, preventing competition for consumer’s business.

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Texas has the most restrictive regulation of title rates and forms (policies) in the nation, allowing no opportunity for insurers to innovate with their products or lower rates to compete for business directly from the consumer. Texas should introduce competition into the title insurance market by moving to a file-and-use system.

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