Interesting post on TRMK thread (msg. 274) about banks selling title insurance. As I understand the law and practice of some more aggressive banks, Fed. regs. allow banks to establish an agency relationship with a title co. and sell title insurance to its customers. As common practice presently, banks require a title certificate and title insurance on a real estate loan: lawyer does title opinion(charges fee) and also sells the client a title insurance policy(receiving a commission from insurance company). If bank establishs an agency(also may own 24.9% of company-?) with a title insurance company, the bank can cut the lawyer out of the sell of the title insurance policy. No extra expense to custumer, just reaching into lawyer's pocket for the benefit of bank shareholder. A bank the size of UPC, one is talking about million$. Worth looking into UPC mgnt.!!!