Is the title agency you deal with properly licensed? I'm guessing you assume that it is. You should ask because it's no fun to find out that the company insuring your transaction doesn't have the authority to do so. In 2013 the American Land Title Association published a set of Best Practices for title companies to comply with to satisfy lenders and the CFPB. Craig Haskins explains what Knight Barry is doing and suggests that you should make sure your title company is doing the same. Or just make things easy and switch your business to Knight Barry.