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

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

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Insurance Licensing Pennsylvania Producers Examination for Title Insurance Series 16-10 Sample Questions (Q25-Q30):

NEW QUESTION # 25
Which of the following items is least likely to be recorded?

A. mechanic's lien
B. satisfaction of mortgage
C. mortgage lien
D. bill of sale

Answer: D

Explanation:
A bill of sale is least likely to be recorded in the real property records because it usually transfers personal property, not an estate or lien in real property. By contrast, a mortgage lien is recorded to give public notice of the lender's security interest. A mechanic's lien is recorded or filed to preserve a statutory claim for labor or materials. A satisfaction of mortgage is recorded to show that a mortgage lien has been paid and released.
Recording is essential in title practice because title examiners rely on public records to identify conveyances, liens, releases, and encumbrances affecting land. The Pennsylvania title outline includes mortgages, releases, recording steps, recording systems, mechanic's liens, and title exceptions.

NEW QUESTION # 26
Which of the following is excluded from coverage in the standard owner's policy?

A. any law, ordinance, or governmental regulation without filed notice
B. lack of a right of access to and from the land
C. any claim for loss or damage based on negligence arising from the status of lien with the insured mortgage
D. recorded documentation on the title to real property without acknowledgment

Answer: A

Explanation:
Governmental laws, ordinances, permits, and regulations are standard exclusions from owner's title insurance coverage unless the policy specifically covers a recorded enforcement notice or related insured risk. This includes zoning, building, subdivision, occupancy, environmental, and similar governmental restrictions. Lack of a right of access to and from the land is not the exclusion here; it is normally a covered risk in an owner's policy. Option B is aimed at loan-policy concepts and does not fit an owner's standard exclusion. Option C may create a title or recording defect, but it is not the policy exclusion being tested. The Pennsylvania title outline tests title policy exclusions, covered risks, Schedule B exceptions, and owner's policy provisions.

NEW QUESTION # 27
The effective date on a title commitment is the date

A. the commitment is issued.
B. the order was completed.
C. of the last recording on record.
D. the public records were verified to.

Answer: D

Explanation:
The effective date of a title commitment is tied to the date through which the public records have been searched or verified. It is not simply the date the order was completed or the date the commitment was physically issued. It also is not necessarily the date of the last document recorded, because the title company's search may run through a particular certification or verification point. This date matters because the commitment reflects title conditions as of that searched-through date; later liens, deeds, judgments, or other matters may require an update before closing. The Pennsylvania exam outline tests commitments, title searching techniques, public records, recording systems, and title policy structure.

NEW QUESTION # 28
The term used in the Real Estate Settlement Procedure Act (RESPA), that describes a situation in which a person must use a particular provider for settlement services in order to have access to some distinct service or property, is known as

A. bundled services.
B. required use.
C. tied benefits.
D. anti-kickback.

Answer: B

Explanation:
The correct RESPA term is "required use." Under Regulation X, required use means a situation where a person must use a particular settlement-service provider to obtain access to another distinct service or property, and the person pays for that settlement service or a related charge. "Bundled services" may describe a package of services, but RESPA does not use that term for this specific prohibited steering concept. "Tied benefits" is not the formal RESPA term. "Anti-kickback" relates to RESPA Section 8 prohibitions against improper referral fees, but it is not the definition quoted in the question. The Pennsylvania Title Insurance outline includes RESPA under settlement and closing procedures.

NEW QUESTION # 29
What requirements define which closing costs are allowable as charges to the borrower?

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

Answer: C

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 # 30
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