Regulation versus competition : an assessment of regulation’s impacts on title insurance premiums

dc.contributor.advisorPowers, Daniel A.en
dc.contributor.committeeMemberEaton, David J.en
dc.creatorZou, Beibeien
dc.date.accessioned2012-11-29T20:07:25Zen
dc.date.accessioned2017-05-11T22:30:12Z
dc.date.available2012-11-29T20:07:25Zen
dc.date.available2017-05-11T22:30:12Z
dc.date.issued2012-08en
dc.date.submittedAugust 2012en
dc.date.updated2012-11-29T20:07:36Zen
dc.descriptiontexten
dc.description.abstractThis study uses a multilevel model of change to assess the effects of five distinguished regulation styles in title insurance on insurance premiums. This study finds that the states promulgating title insurance premiums have higher charges than the states allowing free competition in the title insurance market. The other regulation styles do not have significantly different impacts on title insurance premiums from free competition. In addition, market characteristics such as home sales, housing price, and property value can also influence title insurance premiums. This study explains the title insurance premium variation among states. The research outcomes can also provide insights into the ongoing regulatory reform in title insurance, in particular in the states using the promulgation regulation style.en
dc.description.departmentStatisticsen
dc.format.mimetypeapplication/pdfen
dc.identifier.slug2152/ETD-UT-2012-08-6338en
dc.identifier.urihttp://hdl.handle.net/2152/ETD-UT-2012-08-6338en
dc.language.isoengen
dc.subjectTitle insuranceen
dc.subjectRegulationen
dc.subjectPremiumen
dc.titleRegulation versus competition : an assessment of regulation’s impacts on title insurance premiumsen
dc.type.genrethesisen

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