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	<title><![CDATA[finance and title insurance Resources | BNET]]></title>
	<link><![CDATA[http://resources.bnet.com/topic/finance+and+title+insurance.html]]></link>
	<description><![CDATA[White papers, case studies, business articles, and blog posts relating to finance and title insurance]]></description>
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		<title><![CDATA[What We've Got Here Is a Failure to Communicate: How Traditional Financial Reporting Contributes to Misunderstanding of Title Insurance Loss Activity]]></title>
		<link><![CDATA[http://jobfunctions.bnet.com/abstract.aspx?docid=271845]]></link>
		<description><![CDATA[This paper focuses on a specific financial reporting practice that has contributed to the Title insurance industry's failure to communicate the unique characteristics associated with its loss containment activities. The author believes that communication can be enhanced if both parties, the Title industry and its regulators, address and acknowledge the...]]></description>
		<s:doctype><![CDATA[White papers]]></s:doctype>
		<pubDate>Wed, 01 Nov 2006 00:00:00 -0800</pubDate>
		<category domain="http://resources.bnet.com/topic/financial+reporting.html"><![CDATA[Financial Reporting]]></category>
		<category domain="http://resources.bnet.com/topic/financial.html"><![CDATA[Financial]]></category>
		<category domain="http://resources.bnet.com/topic/title+insurance.html"><![CDATA[Title Insurance]]></category>
		<category domain="http://resources.bnet.com/topic/demotech.html"><![CDATA[Demotech]]></category>
		<category domain="http://resources.bnet.com/topic/financial+planning.html"><![CDATA[Financial Planning]]></category>
		<category domain="http://resources.bnet.com/topic/real+estate.html"><![CDATA[Real Estate]]></category>
		<category domain="http://resources.bnet.com/topic/finance.html"><![CDATA[Finance]]></category>
		<category domain="http://resources.bnet.com/topic/business+operations.html"><![CDATA[Business Operations]]></category>
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	<item>
		<title><![CDATA[Cracking Down on Illegal Practices in the Title Insurance Industry]]></title>
		<link><![CDATA[http://jobfunctions.bnet.com/abstract.aspx?docid=147612]]></link>
		<description><![CDATA[This paper investigates the practice of rebating in title insurance industry. Since approximately 1997, insurance regulators allege that title insurers began engaging in the illegal practice of rebating by forming captive reinsurance companies that in turn draw rebates from the title insurance companies. These sophisticated schemes are designed so that...]]></description>
		<s:doctype><![CDATA[White papers]]></s:doctype>
		<pubDate>Thu, 23 Jun 2005 00:00:00 -0700</pubDate>
		<category domain="http://resources.bnet.com/topic/practice.html"><![CDATA[Practice]]></category>
		<category domain="http://resources.bnet.com/topic/title+insurance.html"><![CDATA[Title Insurance]]></category>
		<category domain="http://resources.bnet.com/topic/insurance+company.html"><![CDATA[Insurance Company]]></category>
		<category domain="http://resources.bnet.com/topic/insurance.html"><![CDATA[Insurance]]></category>
		<category domain="http://resources.bnet.com/topic/real+estate.html"><![CDATA[Real Estate]]></category>
		<category domain="http://resources.bnet.com/topic/financial+planning.html"><![CDATA[Financial Planning]]></category>
		<category domain="http://resources.bnet.com/topic/business+operations.html"><![CDATA[Business Operations]]></category>
		<category domain="http://resources.bnet.com/topic/corporate+insurance.html"><![CDATA[Corporate Insurance]]></category>
		<category domain="http://resources.bnet.com/topic/finance.html"><![CDATA[Finance]]></category>
	</item>
	<item>
		<title><![CDATA[What to Expect in Closing Costs on a Home Purchase]]></title>
		<link><![CDATA[http://jobfunctions.bnet.com/abstract.aspx?docid=176121]]></link>
		<description><![CDATA[New homeowners are often taken aback by up-front closing costs such as mortgage and title insurance, attorney fees, recording fees and loan points, which can run into the thousands of dollars. But there is no need to be afraid of these charges. With a little background on their purpose and...]]></description>
		<s:doctype><![CDATA[White papers]]></s:doctype>
		<pubDate>Sun, 20 Feb 2005 00:00:00 -0800</pubDate>
		<category domain="http://resources.bnet.com/topic/title+insurance.html"><![CDATA[Title Insurance]]></category>
		<category domain="http://resources.bnet.com/topic/ezinearticles.com.html"><![CDATA[EzineArticles.com]]></category>
		<category domain="http://resources.bnet.com/topic/real+estate.html"><![CDATA[Real Estate]]></category>
		<category domain="http://resources.bnet.com/topic/mortgages.html"><![CDATA[Mortgages]]></category>
		<category domain="http://resources.bnet.com/topic/business+operations.html"><![CDATA[Business Operations]]></category>
		<category domain="http://resources.bnet.com/topic/finance.html"><![CDATA[Finance]]></category>
		<category domain="http://resources.bnet.com/topic/capital+structures.html"><![CDATA[Capital Structures]]></category>
	</item>
	<item>
		<title><![CDATA[The Role of the Monoline Requirement in Assuring Title Insurance Effectiveness]]></title>
		<link><![CDATA[http://jobfunctions.bnet.com/abstract.aspx?docid=123514]]></link>
		<description><![CDATA[A "monoline" requirement, i.e., the statutory restriction of companies writing a particular line of insurance to writing only that line, occurs today in just three property-casualty lines: title insurance, mortgage guaranty insurance, and financial guaranty insurance. In light of the trend toward the elimination of specialization for all types of...]]></description>
		<s:doctype><![CDATA[White papers]]></s:doctype>
		<pubDate>Wed, 01 Dec 2004 00:00:00 -0800</pubDate>
		<category domain="http://resources.bnet.com/topic/title+insurance.html"><![CDATA[Title Insurance]]></category>
		<category domain="http://resources.bnet.com/topic/real+estate.html"><![CDATA[Real Estate]]></category>
		<category domain="http://resources.bnet.com/topic/insurance.html"><![CDATA[Insurance]]></category>
		<category domain="http://resources.bnet.com/topic/financial+planning.html"><![CDATA[Financial Planning]]></category>
		<category domain="http://resources.bnet.com/topic/business+operations.html"><![CDATA[Business Operations]]></category>
		<category domain="http://resources.bnet.com/topic/corporate+insurance.html"><![CDATA[Corporate Insurance]]></category>
		<category domain="http://resources.bnet.com/topic/finance.html"><![CDATA[Finance]]></category>
	</item>
	<item>
		<title><![CDATA[The Monoline Restrictions on Mortgage and Title Insurance, With Special Application to California]]></title>
		<link><![CDATA[http://jobfunctions.bnet.com/abstract.aspx?docid=115967]]></link>
		<description><![CDATA[This paper provides an economic analysis of the monoline restriction for both mortgage and title insurance. The purpose is to evaluate whether or not the monoline requirement continues to represent good public policy. California is used as an important and typical case study. This paper reviews these two industries and...]]></description>
		<s:doctype><![CDATA[White papers]]></s:doctype>
		<pubDate>Tue, 17 Jun 2003 00:00:00 -0700</pubDate>
		<category domain="http://resources.bnet.com/topic/title+insurance.html"><![CDATA[Title Insurance]]></category>
		<category domain="http://resources.bnet.com/topic/california.html"><![CDATA[California]]></category>
		<category domain="http://resources.bnet.com/topic/mortgages.html"><![CDATA[Mortgages]]></category>
		<category domain="http://resources.bnet.com/topic/real+estate.html"><![CDATA[Real Estate]]></category>
		<category domain="http://resources.bnet.com/topic/insurance.html"><![CDATA[Insurance]]></category>
		<category domain="http://resources.bnet.com/topic/financial+planning.html"><![CDATA[Financial Planning]]></category>
		<category domain="http://resources.bnet.com/topic/finance.html"><![CDATA[Finance]]></category>
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	</item>
	<item>
		<title><![CDATA[Monoline Restrictions, With Applications to Mortgage Insurance and Title Insurance]]></title>
		<link><![CDATA[http://jobfunctions.bnet.com/abstract.aspx?docid=122407]]></link>
		<description><![CDATA[The key goal of this paper is to investigate the conditions under which monoline restrictions represent sensible regulatory policy. This is an intriguing question because multiline insurance structures have the obvious diversification benefit that the firm's capital is available to support claims against any of its lines. Indeed, all states...]]></description>
		<s:doctype><![CDATA[White papers]]></s:doctype>
		<pubDate>Mon, 27 Jan 2003 00:00:00 -0800</pubDate>
		<category domain="http://resources.bnet.com/topic/mortgage.html"><![CDATA[Mortgage]]></category>
		<category domain="http://resources.bnet.com/topic/title+insurance.html"><![CDATA[Title Insurance]]></category>
		<category domain="http://resources.bnet.com/topic/insurance.html"><![CDATA[Insurance]]></category>
		<category domain="http://resources.bnet.com/topic/financial+planning.html"><![CDATA[Financial Planning]]></category>
		<category domain="http://resources.bnet.com/topic/business+operations.html"><![CDATA[Business Operations]]></category>
		<category domain="http://resources.bnet.com/topic/corporate+insurance.html"><![CDATA[Corporate Insurance]]></category>
		<category domain="http://resources.bnet.com/topic/finance.html"><![CDATA[Finance]]></category>
	</item>
	<item>
		<title><![CDATA[Review and Outlook: 2002-2003 U.S. Title Insurance]]></title>
		<link><![CDATA[http://jobfunctions.bnet.com/abstract.aspx?docid=112971]]></link>
		<description><![CDATA[In spite of the expected decline in title revenues the title insurance industry is in very good shape, and supports the reports Stable Rating Outlook. The health of the title insurance industry is based on quality balance sheets exhibited by most companies in the industry, expectations for a continuation of...]]></description>
		<s:doctype><![CDATA[White papers]]></s:doctype>
		<pubDate>Wed, 15 Jan 2003 00:00:00 -0800</pubDate>
		<category domain="http://resources.bnet.com/topic/microsoft+outlook.html"><![CDATA[Microsoft Outlook]]></category>
		<category domain="http://resources.bnet.com/topic/title+insurance.html"><![CDATA[Title Insurance]]></category>
		<category domain="http://resources.bnet.com/topic/fitch.html"><![CDATA[Fitch]]></category>
		<category domain="http://resources.bnet.com/topic/real+estate.html"><![CDATA[Real Estate]]></category>
		<category domain="http://resources.bnet.com/topic/balance+sheets.html"><![CDATA[Balance Sheets]]></category>
		<category domain="http://resources.bnet.com/topic/business+operations.html"><![CDATA[Business Operations]]></category>
		<category domain="http://resources.bnet.com/topic/financial+statements.html"><![CDATA[Financial Statements]]></category>
		<category domain="http://resources.bnet.com/topic/financial+accounting.html"><![CDATA[Financial Accounting]]></category>
		<category domain="http://resources.bnet.com/topic/finance.html"><![CDATA[Finance]]></category>
	</item>
	<item>
		<title><![CDATA[Title insurance: Is It Wanted Here?]]></title>
		<link><![CDATA[http://jobfunctions.bnet.com/abstract.aspx?docid=117914]]></link>
		<description><![CDATA[This paper discusses about title insurance which was developed in the post-Civil War era in the United States of America, supplementing existing lawyer's and conveyance's 'error' insurance by providing insurance against any defect in titles to real estate, in the absence of reliable title registration systems. The state-run registers were...]]></description>
		<s:doctype><![CDATA[White papers]]></s:doctype>
		<pubDate>Thu, 14 Nov 2002 00:00:00 -0800</pubDate>
		<category domain="http://resources.bnet.com/topic/title+insurance.html"><![CDATA[Title Insurance]]></category>
		<category domain="http://resources.bnet.com/topic/law+society+of+alberta.html"><![CDATA[Law Society Of Alberta]]></category>
		<category domain="http://resources.bnet.com/topic/real+estate.html"><![CDATA[Real Estate]]></category>
		<category domain="http://resources.bnet.com/topic/insurance.html"><![CDATA[Insurance]]></category>
		<category domain="http://resources.bnet.com/topic/financial+planning.html"><![CDATA[Financial Planning]]></category>
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		<category domain="http://resources.bnet.com/topic/business+operations.html"><![CDATA[Business Operations]]></category>
		<category domain="http://resources.bnet.com/topic/corporate+insurance.html"><![CDATA[Corporate Insurance]]></category>
		<category domain="http://resources.bnet.com/topic/finance.html"><![CDATA[Finance]]></category>
		<category domain="http://resources.bnet.com/topic/capital+structures.html"><![CDATA[Capital Structures]]></category>
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	<item>
		<title><![CDATA[Banks as Insurance Referral Agents? The Convergence of Financial Services: Evidence from the Title Insurance Industry]]></title>
		<link><![CDATA[http://jobfunctions.bnet.com/abstract.aspx?docid=103506]]></link>
		<description><![CDATA[The purpose of this paper is to offer a glimpse into the potential industrial organization of the property casualty insurance (P&C) market if banks continue to penetrate it at current rates. To do so, the paper studies an insurance market where banks are already integral in distribution: Title insurance. They...]]></description>
		<s:doctype><![CDATA[White papers]]></s:doctype>
		<pubDate>Sun, 01 Sep 2002 00:00:00 -0700</pubDate>
		<category domain="http://resources.bnet.com/topic/bank.html"><![CDATA[Bank]]></category>
		<category domain="http://resources.bnet.com/topic/title+insurance.html"><![CDATA[Title Insurance]]></category>
		<category domain="http://resources.bnet.com/topic/agent.html"><![CDATA[Agent]]></category>
		<category domain="http://resources.bnet.com/topic/financial+service.html"><![CDATA[Financial Service]]></category>
		<category domain="http://resources.bnet.com/topic/convergence.html"><![CDATA[Convergence]]></category>
		<category domain="http://resources.bnet.com/topic/cirano.html"><![CDATA[CIRANO]]></category>
		<category domain="http://resources.bnet.com/topic/real+estate.html"><![CDATA[Real Estate]]></category>
		<category domain="http://resources.bnet.com/topic/insurance.html"><![CDATA[Insurance]]></category>
		<category domain="http://resources.bnet.com/topic/financial+planning.html"><![CDATA[Financial Planning]]></category>
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		<category domain="http://resources.bnet.com/topic/finance.html"><![CDATA[Finance]]></category>
	</item>
	<item>
		<title><![CDATA[Review & Outlook: 2001-2002 Title Insurance]]></title>
		<link><![CDATA[http://jobfunctions.bnet.com/abstract.aspx?docid=112513]]></link>
		<description><![CDATA[The report views the capital and surplus of the title insurers in its rating universe as strong from both an absolute dollar and risk-adjusted perspective. Further, reserves continue to appear adequate as measured on both a GAAP and statutory basis. The report analyzes the title industry from a macro perspective,...]]></description>
		<s:doctype><![CDATA[White papers]]></s:doctype>
		<pubDate>Thu, 17 Jan 2002 00:00:00 -0800</pubDate>
		<category domain="http://resources.bnet.com/topic/title+insurance.html"><![CDATA[Title Insurance]]></category>
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