The American Land Title Association® (ALTA®) has created Title Insurance and Settlement Company Best Practices. These are meant to serve as a guide for ALTA members in enhancing existing business practices to protect consumers, ensure quality service, provide for ongoing employee training, and meet legal and market requirements. Sandpoint Title Insurance has been working diligently to verify that our internal controls, policies, procedures, training and auditing are such that Sandpoint Title is in 100% compliance with the Pillars of Best Practices.

Over the past four years Stewart Title (our underwriter) has developed independent agency standards and instituted processes to ensure consumers, lenders and our agencies are protected and will have a quality experience for their transactions – putting us ahead of the game in preparing agencies for CFPB compliance. In coordination with the ALTA, the Stewart CFPB Task Force has been talking with a variety of experts, trade associations and lenders throughout the real estate industry and staying on top of all developments surrounding the proposed rule and bulletin. And, Stewart supports the efforts of the ALTA to establish best practice standards for the industry.



Stewart Independent Agency Standards

  • • Maintain honesty and integrity above all else
  • • Stay firmly customer focused
  • • Employ dedicated and well-trained individuals
  • • Reconcile all escrow (trust) accounts in a timely manner each month
  • • Maintain policies and procedures to ensure efficient and secure real estate settlements and timely address consumer complaints
  • • Use Stewart as a preferred business partner
  • • Maintain an acceptable policy loss ratio
  • • Issue title policies in a timely and compliant manner
  • • Report policies and remit payments to Stewart promptly
  • • Maintain a business model that supports the long-term success of our agency
  • • Comply with all local, state and national rules and regulations
  • • Comply with all term of the Stewart Underwriting Agreement and adhere to all Stewart Underwriting Bulletins

To learn more about ALTA’s Pillars of Best Practices, please visit

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