The American Title Insurance Industry

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The American Title Insurance Industry

The American Title Insurance Industry [Pdf/ePub] eBook ISBN-10: 9780814722466
Publisher: NYU Press
File Size: 1532 KB
File Format: Pdf
Read Count: 890068


The American Title Insurance Industry by Book Resume:

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.

Insurance Era

Insurance Era [Pdf/ePub] eBook ISBN-10: 022678441X
Author: Caley Horan
Publisher: University of Chicago Press
File Size: 1246 KB
File Format: Pdf
Read Count: 5066735


Insurance Era by Caley Horan Book Resume:

Actuarial thinking is everywhere in contemporary America, an often unnoticed byproduct of the postwar insurance industry’s political and economic influence. Calculations of risk permeate our institutions, influencing how we understand and manage crime, education, medicine, finance, and other social issues. Caley Horan’s remarkable book charts the social and economic power of private insurers since 1945, arguing that these institutions’ actuarial practices played a crucial and unexplored role in insinuating the social, political, and economic frameworks of neoliberalism into everyday life. Analyzing insurance marketing, consumption, investment, and regulation, Horan asserts that postwar America’s obsession with safety and security fueled the exponential expansion of the insurance industry and the growing importance of risk management in other fields. Horan shows that the rise and dissemination of neoliberal values did not happen on its own: they were the result of a project to unsocialize risk, shrinking the state’s commitment to providing support, and heaping burdens upon the people often least capable of bearing them. Insurance Era is a sharply researched and fiercely written account of how and why private insurance and its actuarial market logic came to be so deeply lodged in American visions of social welfare.

Title Insurance

Title Insurance [Pdf/ePub] eBook ISBN-10: 9781422317242
Author: Orice M. Williams
Publisher: DIANE Publishing
File Size: 636 KB
File Format: Pdf
Read Count: 1283239


Title Insurance by Orice M. Williams Book Resume:

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.

Real Estate Due Diligence

Real Estate Due Diligence [Pdf/ePub] eBook ISBN-10: 1317934911
Author: Mary Ann Hallenborg
Publisher: Routledge
File Size: 1410 KB
File Format: Pdf
Read Count: 1796119


Real Estate Due Diligence by Mary Ann Hallenborg Book Resume:

Real Estate Due Diligence is the first textbook on due diligence, the cornerstone of every successful real estate deal. Due diligence is designed to uncover potential risks posed by a real estate acquisition, financing, or development project and failure to carry it out successfully can result in costly oversights and diminished investment returns. This book demonstrates how to assess and manage legal risks on properties such as office buildings, shopping centres, industrial buildings, apartments, and hotels—before the transaction closes. Real estate students and practitioners are taken through all of the essential due diligence areas, including: Titles and ownership issues Zoning and land use Liens and mortgages Condition assessments Environmental and operational concerns And lease analysis Throughout the book, major laws and court cases are used to illustrate due diligence issues and provide rich opportunities for classroom study and discussion. Practice points and comprehensive due diligence checklists help readers to go on to put their learning in practice. This book fills a gap in the real estate literature and is perfect for use as a college textbook, a practitioner’s guide, or for industry training.

How to Start a Title Insurance Company

How to Start a Title Insurance Company [Pdf/ePub] eBook ISBN-10: 1468904108
Author: Lisa Williams
Publisher: Booktango
File Size: 1106 KB
File Format: Pdf
Read Count: 7787726


How to Start a Title Insurance Company by Lisa Williams Book Resume:

The Future of European Property Law

The Future of European Property Law [Pdf/ePub] eBook ISBN-10: 3866539312
Author: Sjef Erp van,Arthur Salomons,Bram Akkermans
Publisher: Walter de Gruyter
File Size: 1915 KB
File Format: Pdf
Read Count: 5430906


The Future of European Property Law by Sjef Erp van,Arthur Salomons,Bram Akkermans Book Resume:

European integration has a growing impact on the property law systems of the EU Member States. The tensions which can be seen are considerably greater than in other areas of private law, given the technically complex and mandatory nature of property law. In this book current developments in European property law (particularly the Draft Common Frame of Reference) are analysed and evaluated, focussing on secured transactions and mortgage law. With contributions by academic and practicing lawyers, containing: Transfer of ownership and good faith acquisition: the rules in the Member States and in Book VIII of the DCFR Secured transactions and the DCFR Registration of intellectual property rights Trusts - from a Common and a Civil lawyer’s perspective The border area between property law and contract law: securities

How Our Days Became Numbered

How Our Days Became Numbered [Pdf/ePub] eBook ISBN-10: 022625920X
Author: Dan Bouk
Publisher: University of Chicago Press
File Size: 740 KB
File Format: Pdf
Read Count: 7316368


How Our Days Became Numbered by Dan Bouk Book Resume:

Long before the age of "Big Data" or the rise of today's "self-quantifiers," American capitalism embraced "risk"--and proceeded to number our days. Life insurers led the way, developing numerical practices for measuring individuals and groups, predicting their fates, and intervening in their futures. Emanating from the gilded boardrooms of Lower Manhattan and making their way into drawing rooms and tenement apartments across the nation, these practices soon came to change the futures they purported to divine. How Our Days Became Numbered tells a story of corporate culture remaking American culture--a story of intellectuals and professionals in and around insurance companies who reimagined Americans' lives through numbers and taught ordinary Americans to do the same. Making individuals statistical did not happen easily. Legislative battles raged over the propriety of discriminating by race or of smoothing away the effects of capitalism's fluctuations on individuals. Meanwhile, debates within companies set doctors against actuaries and agents, resulting in elaborate, secretive systems of surveillance and calculation. Dan Bouk reveals how, in a little over half a century, insurers laid the groundwork for the much-quantified, risk-infused world that we live in today. To understand how the financial world shapes modern bodies, how risk assessments can perpetuate inequalities of race or sex, and how the quantification and claims of risk on each of us continue to grow, we must take seriously the history of those who view our lives as a series of probabilities to be managed.


Property [Pdf/ePub] eBook ISBN-10: 1543826326
Author: Jesse Dukeminier,James E. Krier,Gregory S. Alexander,Michael Schill,Lior Jacob Strahilevitz
Publisher: Wolters Kluwer
File Size: 340 KB
File Format: Pdf
Read Count: 8906056


Property by Jesse Dukeminier,James E. Krier,Gregory S. Alexander,Michael Schill,Lior Jacob Strahilevitz Book Resume:

Buy a new version of this Connected Casebook and receive access to the online e-book, practice questions from your favorite study aids, and an outline tool on CasebookConnect, the all in one learning solution for law school students. CasebookConnect offers you what you need most to be successful in your law school classes— portability, meaningful feedback, and greater efficiency. A concise edition of the legendary casebook, Property: Concise Edition, Third Edition is perfectly suited for use in a four-credit course. Jesse Dukeminier’s trademark wit, passion, and human interest perspective has made Property, now in its Ninth Edition, one of the best—and best loved—casebooks of all time. A unique blend of authority and good humor, you’ll find a moveable feast of visual interest, compelling cases, and timely coverage of contemporary issues. The updated third edition includes extremely relevant updates featuring: New Cases: Supreme Court cases—U.S. Patent Office v. This is a major new trademark case; Murr v. Wisconsin: takings case Other new cases—Commonwealth v. Magadini (Mass. S. Jud. CT. trespass case, replaces State v. Shack); Mund v. English (easement by estoppel case, replacing Kienzle v. Myers); more Note cases: City of Boise (recent 9th Cir. decision regarding rights of homeless persons to housing); Cowpasture River Preservation (2020 U.S. S. Ct. decision re easement or fee in Atlantic Coast Pipeline controversy); Friends of Danny DeVito v. Wolf (2020 Pa. S. Ct. decision re takings attack on temporary COVID business moratorium) New Topics: COVID-19: implications of COVID for various aspects of Property law, e.g., moratoria on tenant evictions, mortgage foreclosure, takings law Property rights of those experiencing homelessness Legal matters regarding shared housing/Airbnb African-American “heirs’ property” and partition Revisions/Clarifications: Revised and clarified aspects of Chapter 10 (Servitudes) More on the Fair Housing Act Some new problems in Chapter 6 (Landlord/Tenant) New Photos and Graphics: Detailed graphics on redlining CasebookConnect features: ONLINE E-BOOK Law school comes with a lot of reading, so access your enhanced e-book anytime, anywhere to keep up with your coursework. Highlight, take notes in the margins, and search the full text to quickly find coverage of legal topics. PRACTICE QUESTIONS Quiz yourself before class and prep for your exam in the Study Center. Practice questions from Examples & Explanations, Emanuel Law Outlines, Emanuel Law in a Flash flashcards, and other best-selling study aid series help you study for exams while tracking your strengths and weaknesses to help optimize your study time. OUTLINE TOOL Most professors will tell you that starting your outline early is key to being successful in your law school classes. The Outline Tool automatically populates your notes and highlights from the e-book into an editable format to accelerate your outline creation and increase study time later in the semester.

Freaks of Fortune

Freaks of Fortune [Pdf/ePub] eBook ISBN-10: 0674071123
Author: Jonathan Levy
Publisher: Harvard University Press
File Size: 775 KB
File Format: Pdf
Read Count: 604852


Freaks of Fortune by Jonathan Levy Book Resume:

Until the nineteenth century, “risk” was a specialized term: it was the commodity exchanged in a marine insurance contract. Freaks of Fortune tells how the modern concept of risk emerged in the United States. Born on the high seas, risk migrated inland and became essential to the financial management of an inherently uncertain capitalist future.

Institutional Foundations of Impersonal Exchange

Institutional Foundations of Impersonal Exchange [Pdf/ePub] eBook ISBN-10: 0226028356
Author: Benito Arruñada
Publisher: University of Chicago Press
File Size: 1708 KB
File Format: Pdf
Read Count: 9257775


Institutional Foundations of Impersonal Exchange by Benito Arruñada Book Resume:

Governments and development agencies spend considerable resources building property and company registries to protect property rights. When these efforts succeed, owners feel secure enough to invest in their property and banks are able use it as collateral for credit. Similarly, firms prosper when entrepreneurs can transform their firms into legal entities and thus contract more safely. Unfortunately, developing registries is harder than it may seem to observers, especially in developed countries, where registries are often taken for granted. As a result, policies in this area usually disappoint. Benito Arruñada aims to avoid such failures by deepening our understanding of both the value of registries and the organizational requirements for constructing them. Presenting a theory of how registries strengthen property rights and reduce transaction costs, he analyzes the major trade-offs and proposes principles for successfully building registries in countries at different stages of development. Arruñada focuses on land and company registries, explaining the difficulties they face, including current challenges like the subprime mortgage crisis in the United States and the dubious efforts made in developing countries toward universal land titling. Broadening the account, he extends his analytical framework to other registries, including intellectual property and organized exchanges of financial derivatives. With its nuanced presentation of the theoretical and practical implications, Institutional Foundations of Impersonal Exchange significantly expands our understanding of how public registries facilitate economic growth.

How to Make Money With Real Estate Options

How to Make Money With Real Estate Options [Pdf/ePub] eBook ISBN-10: 1118429001
Author: Thomas Lucier
Publisher: John Wiley & Sons
File Size: 321 KB
File Format: Pdf
Read Count: 4804657


How to Make Money With Real Estate Options by Thomas Lucier Book Resume:

Spend like a miser, profit like a mogul Who says you have to spend money to make money?Savvy real estate investors follow the examples of Donald Trump and Walt Disney, turning substantial profits on properties without incurring the debt, risk, and maintenance costs of ownership--and now, so can you! In How to Make Money with Real Estate Options, real estate expert Thomas Lucier introduces you to the low-risk, high-yield investment vehicle that can earn big bucks even for small investors. Lucier explains what real estate options are, how they work, and why they are the tools of choice for thousands of successful investors. Step by step, he shows you how to: * Locate potential option properties using the Internet, want ads, and "bird-dogs" * Contact and negotiate with property owners * Perform due diligence and avoid options pitfalls * Prepare an option agreement that protects you * Insure real estate options with title insurance * Package and sell optioned properties for optimum profits Packed with no-nonsense advice on how to identify the most profitable properties and manage every step of the option process, How to Make Money with Real Estate Options is a practical guide to one of the secret weapons of savvy investors.

The Corporate Directory of US Public Companies 1995

The Corporate Directory of US Public Companies 1995 [Pdf/ePub] eBook ISBN-10: 1349138908
Author: Elizabeth Walsh
Publisher: Springer
File Size: 687 KB
File Format: Pdf
Read Count: 5181276


The Corporate Directory of US Public Companies 1995 by Elizabeth Walsh Book Resume:

This valuable and accessible work provides comprehensive information on America's top public companies, listing over 10,000 publicly traded companies from the New York, NASDAQ and OTC exchanges. All companies have assets of more than $5 million and are filed with the SEC. Each entry describes business activity, 5 year sales, income, earnings per share, assets and liabilities. Senior employees, major shareholders and directors are also named. The seven indices give an unrivalled access to the information.

The Data Game

The Data Game [Pdf/ePub] eBook ISBN-10: 1317457552
Author: Mark Maier,Jennifer Imazeki
Publisher: Routledge
File Size: 1388 KB
File Format: Pdf
Read Count: 1055263


The Data Game by Mark Maier,Jennifer Imazeki Book Resume:

This book introduces students to the collection, uses, and interpretation of statistical data in the social sciences. It would suit all social science introductory statistics and research methods courses. Separate chapters are devoted to data in the fields of demography, housing, health, education, crime, the economy, wealth, income, poverty, labor, business statistics, and public opinion polling, with a concluding chapter devoted to the common problem of ambiguity. Each chapter includes multiple case studies illustrating the controversies, overview of data sources including web sites, chapter summary and a set of case study questions designed to stimulate further thought.

Your Real Estate Closing Explained Simply

Your Real Estate Closing Explained Simply [Pdf/ePub] eBook ISBN-10: 1601380321
Author: Michelle Blain
Publisher: Atlantic Publishing Company
File Size: 870 KB
File Format: Pdf
Read Count: 9494250


Your Real Estate Closing Explained Simply by Michelle Blain Book Resume:

Written in everyday, easy-to-understand English this book will help you save time and money as well as guide you around pitfalls. Some of the subjects covered are the contract, mortgages, your closing agent, title commitment, survey, deed, bill of sale, affidavit of title, leases, assignment of leases, assignment of contracts, estoppels letters, utility letters, payoff letter for mortgage, condo letter, right of first refusal, assessments, utility bill, certificate of insurance, closing statement, power of attorney, grantor/grantee affidavit, transfer tax declaration, zoning certificate, affidavit of heirship, death certificate, commission statement, personal information affidavit, joint tenancy affidavit, ALTA statement, photo ID, keys, termite inspection, general inspection, mortgage contingency, attorney approval contingency, lead paint disclosure, RIPTA disclosure, environmental issues, soil test, structural tests, utility readings and name changes, tax bill, Real Estate Settlement Procedures Act (RESPA), seller identification, trustees, trustee's deed, trustee's ALTA, trustee's pay proceeds letter, mortgage options, note, mortgage disclosures, title, leases, estoppels letters, and buyer's insurance and certificate. The book includes numerous forms and easy-to-use checklists as well as information particular to each state.

The Financing of Catastrophe Risk

The Financing of Catastrophe Risk [Pdf/ePub] eBook ISBN-10: 0226266257
Author: Kenneth A. Froot
Publisher: University of Chicago Press
File Size: 827 KB
File Format: Pdf
Read Count: 6619237


The Financing of Catastrophe Risk by Kenneth A. Froot Book Resume:

Is it possible that the insurance and reinsurance industries cannot handle a major catastrophe? Ten years ago, the notion that the overall cost of a single catastrophic event might exceed $10 billion was unthinkable. With ever increasing property-casualty risks and unabated growth in hazard-prone areas, insurers and reinsurers now envision the possibility of disaster losses of $50 to $100 billion in the United States. Against this backdrop, the capitalization of the insurance and reinsurance industries has become a crucial concern. While it remains unlikely that a single event might entirely bankrupt these industries, a big catastrophe could place firms under severe stress, jeopardizing both policy holders and investors and causing profound ripple effects throughout the U.S. economy. The Financing of Catastrophe Risk assembles an impressive roster of experts from academia and industry to explore the disturbing yet realistic assumption that a large catastrophic event is inevitable. The essays offer tangible means of both reassessing and raising the level of preparedness throughout the insurance and reinsurance industries.

Problems Surrounding the Mortgage Origination Process

Problems Surrounding the Mortgage Origination Process [Pdf/ePub] eBook ISBN-10: 9780788186899
Author: Lauch Faircloth,Connie Mack
Publisher: DIANE Publishing
File Size: 570 KB
File Format: Pdf
Read Count: 6053122


Problems Surrounding the Mortgage Origination Process by Lauch Faircloth,Connie Mack Book Resume:

Senate hearings on the Federal laws regarding buying a house. Witnesses: Janice Hix, Nat. Assoc. of Mortgage Brokers; Ron McCord, Amer. Mortgage & Investment Co. for the Mortgage Bankers Assoc. of Amer.; Russell Booth, Nat. Assoc. of Realtors; Joseph Parker, Jr., Parker Title Insurance Agency, Inc., for the Amer. Land Title Assoc.; Margot Saunders, Nat. Consumer Law Center; Michelle Meier, Consumers Union; Laurence Meyer & Griffith Garwood, member, Board of Governors of the Fed. Reserve System, & Nicolas Retsinas, U.S. Dept. of Housing & Urban Development, accompanied by Sarah Rosen.

Property Law

Property Law [Pdf/ePub] eBook ISBN-10: 1543807119
Author: Jerry L. Anderson,Daniel B. Bogart
Publisher: Wolters Kluwer
File Size: 707 KB
File Format: Pdf
Read Count: 781291


Property Law by Jerry L. Anderson,Daniel B. Bogart Book Resume:

Property Law: Practice, Problems, and Perspectives, Second Edition is a truly contemporary 1L Property text. This book is distinguished by its extraordinarily clear and engaging writing, and by the degree to which the authors make the material accessible and enjoyable to students in this foundational course. The authors embrace the task of training lawyers, and as a result, their text regularly asks students to answer questions and solve problems from the perspective of attorneys. The authors delve fully into legal doctrine and address profound policy issues in a direct and understandable manner, drawing upon an outstanding range of case opinions, including those from seminal cases as well those from recent and provocative disputes. The text uses a two-color design and includes a wonderful selection of photographs. Important documents useful to teaching particular cases and material are reproduced throughout. Property Law: Practice, Problems, and Perspectives is more than just a text. It incorporates a truly unique online simulation that features practice-ready materials and professionally-produced, author-scripted videos that illuminate property law issues and disputes. The text regularly references documents used in practice, which are available to students in the simulation. New to the Second Edition: Revised and updated case opinions and textual discussion. For example: The section addressing the Fair Housing Act now includes a discussion of disparate impact litigation after Texas Dept. of Housing and Community Affairs v. Inclusive Communities Project, Inc. The chapter devoted to takings law now includes summaries of Horne v. Dept. of Agriculture and Murr v. Wisconsin. New and sometimes startling images, such as a subdivision-marketing poster from San Diego in 1915 that offers a frightening example of pervasive discriminatory housing practices that existed prior to the Fair Housing Act. Enjoyable new problems drawn from reported case opinions. For example, the problem of “The Obstinate Ex,” involving a couple who live together in a home owned individually by one of them. When that person breaks off the relationship, the other refuses to move out, claiming an interest in the property. Professors and students will benefit from: A blend of property doctrine and real-world practice, featuring a stimulating, challenging presentation that is also transparent. The book retains the subtlety of the classic texts but comments explicitly on the overlapping elements to ensure that students can see all the connections among legal doctrines. A unique interactive element that teaches students how to read a land survey, helping them understand the issues presented by the text in case opinions and problems. The transactional perspective adopted by the authors in relevant chapters, such as real estate transactions and landlord/tenant law. A unique border along the edge of the text in the chapter on the real property transaction, allowing students to place key concepts and doctrinal material in the context of phases of the transaction. A robust electronic version of the casebook, along with online videos and practice-ready materials. A book that is the ideal text for a four-unit course, but includes ample coverage permitting a professor to construct a five- or six-unit course. The purchase of this Kindle edition does not entitle you to receive access to the online e-book, practice questions from your favorite study aids, and outline tool available through CasebookConnect.

Down to the Waterline

Down to the Waterline [Pdf/ePub] eBook ISBN-10: 0820336572
Author: Sara Warner
Publisher: University of Georgia Press
File Size: 1661 KB
File Format: Pdf
Read Count: 8059493


Down to the Waterline by Sara Warner Book Resume:

In most states the boundary separating public waters from private uplands--the ordinary high water line (OHWL)--is a flashpoint between proponents of either property rights or public-trust protection of our water. Using Florida as a case study, Down to the Waterline is the first book-length analysis of the OHWL doctrine and its legal, technical, and cultural underpinnings. Sara Warner not only covers the historical function of the OHWL but tells how advances in science and our environmental attitudes have led us to a more complex encounter with this ancient boundary. Florida sees a steady influx of new residents who crowd along its extensive coasts and interior shorelines--yet who also demand pristine water resources. The OHWL establishes public access and private ownership limits on some of the state’s most valuable land: in economic terms, waterfront real estate; in ecological terms, marshes and wetlands. Sara Warner brings to life many of the courtroom battles fought over the OHWL through the perspectives of ranchers, outdoors enthusiasts, developers, surveyors, scientists, and policymakers. While explaining the OHWL’s legal and political intricacies, Warner never loses sight of the wonder of herons wading a marsh or a largemouth bass breaking a smooth lake surface. To her the OHWL is not just an ideological battleground; it is a marker of how we see the natural world. What do we think we’re doing when we channel a river or fill a swamp? she asks--for it matters greatly where we focus our attention before invoking the awesome capabilities of technology.