CFPB to Crack Down on Force-Placed Insurance

The Consumer Financial Protection Bureau will issue mortgage servicing rules this year that would impose new limits on force-placed insurance products and require additional disclosures for adjustable-rate mortgages, Director Richard Cordray said Tuesday.

The bureau will also issue a rule requiring servicers to provide consumers with better information in their billing statements, Cordray said in a speech to the National Association of Attorneys General annual meeting in Washington. Fixing the mortgage market is an “urgent priority” for the CFPB, he said.

“We now have the ability to examine participants in all segments of the mortgage market, and our authority over nonbanks will be especially helpful,” he said.

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Brit Insurance profit falls in 2011

UK-based insurer Brit Insurance has reported a profit of GBP76m for the full year of 2011, compared to GBP110.5m for the same period in 2010.

The total revenue for the full year of 2011 was GBP1.37bn, compared to GBP1.44bn for the same period a year ago.

Operating profit was GBP91.3m, compared to GBP132.2m for the same period in the previous year.

Gross written premiums declined 2.7% to GBP1.49bn, compared to GBP1.53bn for the same period in the prior year.

During the period the effect of natural catastrophes on the group, net of reinsurance recoverable, was GBP141.9m, compared to GBP58.7m in 2010.

Brit Insurance CEO Mark Cloutier said that the company delivered a solid result in 2011 against a weak market, while at the same time making good progress in its efforts to reposition the group for the future.

“With record natural catastrophe and other large losses, low interest rates, volatile investment markets and a broadly flat pricing environment in a weak macroeconomic environment, 2011 was an extremely challenging year for the sector,” Cloutier said.


Top 10 Senior Travel Safety Tips

While all travelers will benefit from reviewing and implementing these travel safety tips, seniors have a few extra concerns. They have to make sure pre-existing medical conditions are well managed before and during their trip. They have to take enough regular medication to last their entire trip. They also have to be aware of their own physical limits while traveling.

Senior Travel Safety Tips Before a Trip

1. Research the area youll be visiting, including State Department alerts and warnings, local weather, language and culture. Buy a guide book and read it before you go.

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Defense of Marriage Act ruling may affect insurance, other benefits

A federal judge ruled Congress Defense of Marriage Act unconstitutional in a case over whether a government workers should be permitted to enroll her same-sex spouse in federal health insurance coverage.

U.S. District Judge Jeffrey White in San Francisco, an appointee of Republican President George W. Bush, ruled against the law, which prevents same-sex couples from sharing the same benefits as federal workers who a heterosexual and married, according to a Reuters report.

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