Title and escrow
The company that holds the money and insures the title. It is regulated from two directions at once, which is why checking it takes two lookups instead of one.
Utah Division of Real Estate complaint intake
Run by Utah Division of Real Estate. Free, no account.
Often mistaken for: A way to recover money. The division regulates licenses; it does not award damages, and a sustained complaint does not refund a deposit.
- Title insurance agency — the company
- Individual title agent or escrow officer
- Affiliated business arrangement — a title entity part-owned by people who also refer business to it
Being recommended by your agent or your lender. That recommendation is legal, and it is also exactly the arrangement federal law requires be disclosed to you in writing.
- Whether the title entity is authorized to do business in Utah
- Whether an affiliated business arrangement has been registered
- Whether the arrangement is a good deal for you — disclosure is not endorsement
- What the closing will cost, which belongs on the Closing Disclosure
- Does anyone in this transaction have an ownership interest in the title company
- Am I required to use this one, or am I choosing it
- When will I get the Closing Disclosure, and can I have it early enough to read it
Referral arrangements between agents, lenders and title companies are common and are not by themselves improper. Federal law bans paying for the referral itself and requires affiliated arrangements to be disclosed in writing; the disclosure is the document to actually read.
Affiliated business arrangements in title insurance, Utah Division of Real Estate. Complaints about a licensee go to the division's intake; sustained action appears in its disciplinary actions.
Checked against the regulators' own sites on 2026-08-16. Agencies reorganize their sites; follow the link rather than trusting a description that has aged. Back to all five roles →