Page "Title insurance" Paragraph 43

A federal law called the Real Estate Settlement Procedures Act ( RESPA ) entitles the individual homeowner to choose a title insurance company when purchasing or refinancing residential property.

Typically, homeowners don't make this decision for themselves, instead relying on their bank's or attorney's choice ; however, the homeowner retains the right.

RESPA makes it unlawful for any bank, broker or attorney to mandate that a particular title insurance company be used.

Doing so is a gross violation of federal law and any person or business doing so can be heavily fined or lose its license.