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Insurance Licensing PA-Title-Insurance-Agent Exam Syllabus Topics:

Section	Weight	Objectives
Topic 1: General Insurance Concepts	3%
Topic 2: Insurance Regulation	12%	- State regulation 1. Commissioner's general duties and powers - Company regulation 1. Unfair claims settlement practices 2. Solvency requirements 3. Rates regulation - Title insurance law requirements 1. Examination of title required - Unfair trade practices 1. False advertising 2. Rebates and inducements 3. Boycott, coercion or intimidation 4. Misrepresentation 5. Defamation 6. Unfair discrimination 7. Twisting - Licensing 1. Address change 2. Cease and desist orders 3. Title producer additional requirements 4. Continuing education 5. Revocation, suspension, nonrenewal or denial of license 6. Renewal 7. Disciplinary actions 8. General requirements 9. Persons to be licensed 10. Expiration 11. Appointment procedures 12. Maintenance and duration 13. Reporting of actions 14. Licensing process 15. Assumed names - Producer regulation 1. Unfair inducements and marketing practices 2. Record keeping 3. Prohibited acts 4. Charges for extra services - Federal regulation 1. Fair Credit Reporting Act 2. Fraud and false statements (18 USC 1033/1034)
Topic 3: Title Exceptions and Procedures for Clearing Title	21%	- Property-related issues 1. Equitable interests 2. Condominiums 3. Water rights 4. Surveys 5. Attachments 6. Mineral rights - General exceptions - Liens and encumbrances 1. Taxes and assessments 2. Involuntary liens 3. Judgments 4. Federal liens 5. Voluntary liens
Topic 4: Title Insurance Principles		- Insurable interests 1. Life estate 2. Fee simple estate 3. Easements 4. Leasehold estate - Policy structure 1. Conditions and stipulations 2. Exclusions 3. Endorsements 4. Schedule B exceptions 5. Insuring provisions 6. Schedule A - Risks covered by title insurance 1. Errors by producer 2. Hidden off-record risks 3. Errors in public records - Title insurance policies 1. Loan policy 2. Enhanced policies 3. Owner's policy 4. Leasehold policy 5. Commitments - Title search techniques 1. Chain sheet 2. Hard copy index 3. Computer index

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Insurance Licensing Pennsylvania Producers Examination for Title Insurance Series 16-10 Sample Questions (Q58-Q63):

NEW QUESTION # 58
According to the Fair Credit Reporting Act, an insurer needs to do all of the following, EXCEPT

A. discuss any credit history inconsistencies with the applicant.
B. notify the applicant if an application is denied.
C. inform the applicant about the scope of an investigation.
D. inform the applicant that an investigation is being conducted.

Answer: A

Explanation:
The Fair Credit Reporting Act requires notice and disclosure duties when consumer reports or investigative consumer reports are used. An insurer must properly notify the applicant when an investigative report may be obtained and must provide required adverse-action notice if insurance is denied or affected based on report information. The applicant also has rights relating to the nature and scope of an investigative consumer report.
However, the FCRA does not require the insurer to personally discuss every credit-history inconsistency with the applicant. The consumer's dispute rights are generally exercised with the consumer reporting agency, not through an insurer's mandatory discussion process. The Pennsylvania Title Insurance outline expressly includes the Fair Credit Reporting Act under federal regulation in the Insurance Regulation section.

NEW QUESTION # 59
Which of the following can be licensed as a title insurance agent?

A. an approved attorney
B. a legal entity
C. an employee of a title company
D. an officer of a title company

Answer: B

Explanation:
A legal entity can be licensed or certified as a title insurance agent or agency. Pennsylvania title insurance law recognizes agencies that conduct title insurance business on behalf of a title insurer, and the statute defines an agency as an individual person, partnership, corporation, or other legal entity. An approved attorney, officer, or employee may perform certain functions depending on authority and licensing status, but those labels alone do not answer the licensing classification question as cleanly as "legal entity." This question is from Insurance Regulation because it tests persons or entities to be licensed, title producer requirements, agency obligations, and licensing structure. Pennsylvania law also ties title agency licensing to bond, fiduciary, account, recordkeeping, and insurer-contract duties.

NEW QUESTION # 60
Title insurance NOT covering the insured for unpaid property taxes, which are NOT known at the time of closing, would be considered a

A. covenant.
B. standard exception.
C. federal lien.
D. judgment.

Answer: B

Explanation:
Unpaid property taxes that are not known or not shown as existing liens at the time of closing are typically handled as a standard exception from title insurance coverage. A standard exception removes broad categories of risk from coverage unless the title company has enough evidence to delete or modify the exception. The answer is not "judgment" because a judgment is a court-created lien. It is not "federal lien" because the question refers generally to property taxes, not a federal tax lien. It is not "covenant," because covenants are restrictions or promises affecting land use. Pennsylvania's title outline specifically includes Schedule B exceptions, exclusions, taxes and assessments, and general exceptions as tested title-insurance concepts.

NEW QUESTION # 61
Obtaining and recording releases of mortgages and reconveyances of trust deeds satisfied at closing is considered part of what process?

A. post-closing
B. disbursement
C. pre-closing
D. marketing

Answer: A

Explanation:
Recording releases after mortgages or trust deeds have been paid at closing is a post-closing function. The closing itself involves execution, settlement, funding, and collection of payoff amounts. After that, the title or settlement agent must ensure that satisfied liens are properly released or reconveyed in the public records so the chain of title no longer shows an open encumbrance. This is not marketing, because it has nothing to do with obtaining business. It is not pre-closing, because the lien has already been satisfied at settlement. It is not mere disbursement, because the question asks about obtaining and recording releases. The Pennsylvania title outline places recording, disbursement procedures, releases, and clearing title within the Real Estate Transactions and Title Exceptions sections.

NEW QUESTION # 62
What requirements define which closing costs are allowable as charges to the borrower?

A. State
B. ALTA
C. RESPA
D. FHA

Answer: D

Explanation:
FHA requirements define which closing costs and fees may be collected from the borrower in an FHA-insured loan transaction. RESPA governs settlement-service disclosures, escrow rules, and anti-kickback restrictions, but it is not the best answer to a question asking which requirements define allowable charges to the borrower in this loan-closing context. ALTA provides title insurance forms and standards, not borrower-charge rules.
"State" is too broad and does not match the specific loan-program requirement being tested. HUD/FHA guidance identifies customary and reasonable fees that may be collected from the borrower, and the Pennsylvania Title Insurance outline separately lists FHA requirements under settlement and closing procedures.

NEW QUESTION # 63
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