Opinion: Congress should protect property rights, not shift title risk to consumers and lenders

▤ Summary

This article argues that Congress should preserve strong title insurance protections instead of encouraging title insurance alternatives that shift risk to consumers and lenders. It warns that attorney opinion letters and similar products may lower some upfront costs but can leave hidden fraud, forgery, and litigation exposure. The piece also says title professionals add value before closing by curing defects, clearing liens, and resolving ownership issues. The main policy message is that affordability should not come at the expense of secure property rights and regulated safeguards.

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