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

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

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Insurance Licensing Pennsylvania Producers Examination for Title Insurance Series 16-10 Sample Questions (Q49-Q54):

NEW QUESTION # 49
Obtaining and recording releases of mortgages and reconveyances of trust deeds satisfied at closing is considered part of what process?

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

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 # 50
A statement included on a title commitment such as "record warranty deed from the owner shown in Schedule A vesting title in the proposed insured" is an example of a

A. requirement.
B. condition.
C. standard exception.
D. post policy event.

Answer: A

NEW QUESTION # 51
What requirements define which closing costs are allowable as charges to the borrower?

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

Answer: B

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 # 52
A statement included on a title commitment such as "record warranty deed from the owner shown in Schedule A vesting title in the proposed insured" is an example of a

A. requirement.
B. condition.
C. standard exception.
D. post policy event.

Answer: A

Explanation:
The quoted statement is a requirement because it describes something that must be done before the title insurer will issue the final policy. Recording a warranty deed from the vested owner into the proposed insured is a closing and recording requirement, not an exception. A standard exception limits or excludes coverage; it does not tell the parties what must be completed to create insurable title. A post-policy event occurs after policy issuance and is not what the commitment is addressing. The ALTA commitment structure treats Schedule B, Part I as "Requirements," and includes properly authorized, executed, delivered, and recorded conveyance or mortgage documents as requirements. This matches the Pennsylvania exam outline's focus on commitments and title policy structure.

NEW QUESTION # 53
An agent who collects money from an insured and holds it for payment to the insurer is

A. commingling funds.
B. acting in a fiduciary capacity.
C. wrongfully withholding funds.
D. providing coverage.

Answer: B

Explanation:
An agent who collects money from an insured and holds it for payment to the insurer is acting in a fiduciary capacity. A fiduciary must hold and handle funds for the benefit of the party entitled to them, not for the agent' s personal use. Wrongfully withholding funds would occur if the agent failed to remit or misused the money.
Commingling would occur if the agent mixed fiduciary funds with personal or operating funds improperly.
Collecting premium or escrow-related money also does not itself provide coverage; coverage arises from the insurance contract and insurer authority. Pennsylvania title agency law specifically requires title agents to collect and hold funds due the title insurer in a fiduciary capacity in appropriate accounts.

NEW QUESTION # 54
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