Why Texas Should Reform Title Insurance Regulation

September 29, 2016

Title 11 of the Texas Insurance Codes states, “The purpose of this title is to completely regulate the business of title insurance on real property…”

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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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Heavy Regulation, High Profits, and Wasteful Spending