A buyer believes an agent broke the Alabama Title Insurance Act. Who may enforce the Act?Ala. Code 27-25-9(b)
A candidate has failed the title agent examination four times. Under the Act, how long is the wait before the next try?Ala. Code 27-25-4.3(a)
A former agent who passed the examination wants a new license without retaking it. What does the Act require?Ala. Code 27-25-4.3(b)
A Georgia resident wants an individual Alabama title agent license. Which fact meets the Act's residence rule?Ala. Code 27-25-4.1(b)
A license expired 20 days ago. What does reinstatement cost, and from when does it count?Ala. Code 27-25-4.2(c)
A license expired five months ago. What fee reinstates it?Ala. Code 27-25-4.2(d)
A premium has been collected and no commitment was issued. Unless the insurer allows a later date, how soon must the agent issue the policy?Ala. Code 27-25-4(c)
A search of the public records is made before a commitment is issued. For whose benefit does the Act say it is made?Ala. Code 27-25-3(13)
A title insurer files a new premium rate and hears nothing. When may it charge the rate?Ala. Code 27-25-6(d)
Show all 86 questions (77 more)
Alabama Title Insurance Act, continued
The Act defines a title search as a search of the records in which office?Ala. Code 27-25-3(13)
After a hearing, what is the largest civil fine per violation the commissioner may add under the Act's disciplinary section?Ala. Code 27-25-4.5(d)
After its first renewal, how often is an Alabama title agent license renewed?Ala. Code 27-25-4.2(b)
An agent is fined under the Act. May its title insurer pay the fine?Ala. Code 27-25-9(c)
An agent willfully charged less than the insurer's filed rate. What fine may the commissioner impose per violation?Ala. Code 27-25-9(c)
An attorney in good standing with the Alabama State Bar issues title policies through her law firm. What does the Act say about her license?Ala. Code 27-25-3(10)
An insurer has filed a reissue rate. When may an insured get the reissue credit?Ala. Code 27-25-6(a)
Before any commitment or policy is issued, what must the insurer or its agent have done?Ala. Code 27-25-5
By when must the purchaser's signed statement about the notice of owner's title insurance be obtained?Ala. Code 27-25-7(a)
The commissioner refuses to renew a license. How long does the licensee have to demand a hearing in writing?Ala. Code 27-25-4.5(b)
For the 60-day rule on issuing a policy, what is the policy's effective date as a rule?Ala. Code 27-25-4(c)
How far back must an Alabama title search go under the Act's definition?Ala. Code 27-25-3(13)
How much continuing education does the Act require of an individual agent each two-year cycle?Ala. Code 27-25-4.4(a)
How old must an individual be to hold an Alabama title insurance agent license?Ala. Code 27-25-4.1(b)
May a premium rate filing provide for negotiating or bidding the rate on Alabama real property?Ala. Code 27-25-6(b)
May an Alabama title agent give part of the premium back to the insured?Ala. Code 27-25-6(a)
The notice of owner's title insurance was missed at closing. How may the agent cure the omission?Ala. Code 27-25-7(b)
Under the Alabama Title Insurance Act, who is left out of the term "title agent"?Ala. Code 27-25-3(10)
What is the penalty for telling the commissioner late about a change of name or address?Ala. Code 27-25-4.2(h)
What must a business entity designate before it can be licensed as a title insurance agent?Ala. Code 27-25-4.1(c)
What must appear under the agent's signature on every commitment, policy and endorsement?Ala. Code 27-25-4(d)
Which amount counts as "premium" under the Alabama Title Insurance Act?Ala. Code 27-25-3(9)
Which item must the written notice of availability of owner's title insurance contain?Ala. Code 27-25-7(a)
Which sale needs no notice of the availability of owner's title insurance?Ala. Code 27-25-7(c)
Who gives an "opinion of title" as the Act defines it?Ala. Code 27-25-3(6)
Who pays the fee when a title insurer appoints an agent?Ala. Code 27-25-4(b)
Regulation 148: licensing rules 15
A license was revoked. How soon may the person ask the commissioner for permission to apply again?Ala. Admin. Code r. 482-1-148-.13(4)
A sole proprietor trades under a business name. Which title agent license can she hold?Ala. Admin. Code r. 482-1-148-.07(2)
A title agent's license is not renewed and expires. What happens to the agent's insurer appointments?Ala. Admin. Code r. 482-1-148-.07(8)
An agent hands in the license rather than face revocation proceedings. How does Regulation 148 treat the surrender?Ala. Admin. Code r. 482-1-148-.13(4)
An agent takes the same approved course twice in one reporting period. How much credit counts?Ala. Admin. Code r. 482-1-148-.09(3)
For how long is an examination results certificate valid?Ala. Admin. Code r. 482-1-148-.06(6)
How is the Alabama title agent examination graded under Regulation 148?Ala. Admin. Code r. 482-1-148-.06(3)
How long is a "classroom hour" of continuing education under Regulation 148?Ala. Admin. Code r. 482-1-148-.09(4)
How soon must an insurer complete a notice of appointment for a new agent?Ala. Admin. Code r. 482-1-148-.11(3)
Under Regulation 148, when does an individual agent's license expire if it is not renewed?Ala. Admin. Code r. 482-1-148-.08(2)
What fee does Regulation 148 set for each examination scheduled?Ala. Admin. Code r. 482-1-148-.06(7)
When do the waiting periods for repeat examinations expire?Ala. Admin. Code r. 482-1-148-.06(4)
When does a business entity title agent license expire if it is not renewed?Ala. Admin. Code r. 482-1-148-.08(3)
Which course can the commissioner NOT approve for continuing education credit?Ala. Admin. Code r. 482-1-148-.10(3)
Who may proctor the final examination of an internet continuing education course?Ala. Admin. Code r. 482-1-148-.10(2)
RESPA, privacy and closing rules 19
A borrower was charged for a settlement service tainted by a kickback. What may the borrower recover from the violators under RESPA?12 U.S.C. 2607(d)
A financial institution mails its privacy and opt-out notices. Which wait does the rule give as a reasonable opportunity to opt out?12 CFR 1016.10(a)(3)
A foreign person sells United States real property. As a general rule, what must the buyer withhold under FIRPTA?26 U.S.C. 1445(a)
A real estate broker is offered $100 for each buyer she sends to a title agency on federally related loans. Under RESPA section 8 the payment is12 U.S.C. 2607(a)
A security event exposes the unencrypted customer information of 600 consumers. Under the Safeguards Rule, how soon must the Federal Trade Commission be told?16 CFR 314.4(j)
A seller makes the buyer use one named title company as a condition of sale on a federally related loan. What does RESPA section 9 make the seller liable for?12 U.S.C. 2608
A settlement agent gives a buyer's nonpublic personal information to the lender to close the loan the buyer asked for. Is an opt-out needed first?12 CFR 1016.14(a)
An affiliated business referral is made by telephone. By when must the written disclosure follow?12 U.S.C. 2607(c)(4)
An affiliated title agency pays its owners in proportion to the files each owner referred. Under Regulation X, is that a return on ownership interest?12 CFR 1024.15(b)(3)
How much ownership in a settlement service provider makes a referral to it part of an affiliated business arrangement under RESPA?12 U.S.C. 2602(7)
How soon after receiving a consumer's application must the creditor deliver or mail the Loan Estimate?12 CFR 1026.19(e)
In a lawful affiliated business arrangement, what is the only thing of value the referring owner may receive from it, apart from other permitted payments?12 U.S.C. 2607(c)(4)
Under the federal privacy rule, when must a financial institution give a new customer its initial privacy notice?12 CFR 1016.4(a)
Under the TRID rule, when must the consumer receive the Closing Disclosure?12 CFR 1026.19(f)
What criminal penalty does RESPA section 8 set for a violation?12 U.S.C. 2607(d)
What does "annually" mean for the privacy notice sent to continuing customers?12 CFR 1016.5(a)
Which fact frees a buyer from FIRPTA withholding?26 U.S.C. 1445(b)
Which payment does RESPA section 8 expressly leave alone?12 U.S.C. 2607(c)
Who must a financial institution designate to oversee its information security program under the Safeguards Rule?16 CFR 314.4(a)
Alabama deeds, liens and recording 17
A deed conveys land "to Ann Lee" with no words of inheritance. What estate does Alabama presume?Ala. Code 35-4-2
A deed conveys land to two sisters "as joint tenants" and says nothing more. One dies. What happens to her interest in Alabama?Ala. Code 35-4-7
A deed is not recorded. Against whom is it void under Alabama's recording statute?Ala. Code 35-4-90
A home on which a homestead exemption was claimed that tax year is sold at foreclosure. How long is the statutory right of redemption?Ala. Code 6-5-248(b)
A lumber supplier sold materials to the contractor, not to the owner. How long does the supplier have to file its lien statement?Ala. Code 35-11-215
After how long can an Alabama judgment no longer be revived?Ala. Code 6-9-190
An Alabama deed in fee uses the words "grant, bargain, sell" and no other warranty. Which covenant does the statute read into it?Ala. Code 35-4-271
An Alabama owner dies without a will, leaving a spouse and no surviving issue or parent. What does the spouse take?Ala. Code 43-8-41
An oral contract to sell land is void under Alabama's statute of frauds unlessAla. Code 8-9-2
An original contractor finished work on a house. How long does it have to file its verified lien statement?Ala. Code 35-11-215
Besides the testator, who must sign an Alabama will?Ala. Code 43-8-131
By when must an action to enforce an Alabama mechanic's lien be started?Ala. Code 35-11-221
The grantor can write and signs the deed himself. How many witnesses must attest it if it is not acknowledged?Ala. Code 35-4-20
How long does an Alabama judgment lien last?Ala. Code 6-9-211
Land is sold for taxes to a private purchaser. As a rule, how long does the owner have to redeem?Ala. Code 40-10-120
Under Alabama's adverse possession statute, for how long must the claimant's deed or color of title have been on record?Ala. Code 6-5-200
Where does a judgment creditor file the certificate of judgment that makes a lien on the debtor's land in an Alabama county?Ala. Code 6-9-210
How this list was compiled: Code of Alabama 1975, Title 27, Chapter 25 (Alabama Title Insurance Act) and Sections 35-4-2, 35-4-7, 35-4-20, 35-4-90, 35-4-271, 35-11-215, 35-11-221, 6-5-200, 6-5-248, 6-9-190, 6-9-210, 6-9-211, 8-9-2, 40-10-120, 43-8-41 and 43-8-131, read on October 13, 2026 on the Alabama Legislature's website (https://alison.legislature.state.al.us/code-of-alabama); Alabama Insurance Regulation No. 148, Ala. Admin. Code Chapter 482-1-148, revised October 1, 2024, read in the Department of Insurance's copy (https://aldoi.gov/pdf/legal/Reg148.pdf); and the federal law the outline names: 12 U.S.C. 2602, 2607 and 2608, 26 U.S.C. 1445, 12 CFR 1016.4, 1016.5, 1016.10 and 1016.14, 12 CFR 1024.15, 12 CFR 1026.19 and 16 CFR 314.4, read the same day in the editions published at https://www.govinfo.gov. The topics follow the Alabama Department of Insurance's Title Insurance Agent Examination Content Outline, revised July 24, 2023 for examinations beginning January 1, 2024 (https://aldoi.gov/PDF/Licensing/2023TitleOutline.pdf). Each question names its section and links to it. Licence: Own work. Every question, wrong choice and explanation was written for this site from the text of the law. Nothing comes from a testing vendor, a prep course or an exam question pool.
How it works
This unofficial Alabama title insurance practice test asks the law on the Title Insurance Agent Examination: 86 of our own questions from the Alabama Title Insurance Act, Regulation 148, federal settlement rules and Alabama lien statutes. Not affiliated with the Alabama Department of Insurance.
Read the full guide
What the real exam holds
The Department's content outline, revised July 24, 2023 for examinations from January 1, 2024, lists 150 questions in four parts: regulatory compliance 50, industry information 40, title search and examination 35, settlement and escrow 25. The Act has 10 of them and Regulation 148 has 8.
What is asked here, and what is not
The topics follow the parts that rest on public law: the Act, Regulation 148, RESPA, the federal privacy and safeguards rules, closing disclosure timing, and Alabama's recording, lien and redemption statutes. The commitment and the two policy forms, 37 questions of the outline, are private text and are not asked.
A policy goes out within 60 days of its effective date, the date and time the insured instrument is recorded (Section 27-25-4).
Filed rates cannot be rebated, negotiated or bid in Alabama (Section 27-25-6).
Lien statements: six months for an original contractor, 30 days for a day laborer, four months for anyone else (Section 35-11-215).
Questions and answers
How many questions are on the Alabama title insurance exam?
150, with 180 minutes allowed, by the Department's content outline for examinations from January 1, 2024.
What score passes the Alabama title agent exam?
The outline gives 105 correct of 150 as the minimum passing score. Regulation 148 says the question values total 100 and 70 or more passes. This page gives a score and no verdict, because it asks the law parts only.
Is there a free practice Alabama title insurance test?
Yes, this one. All 86 questions are open and your answers stay in your browser. They were written for this page from the statutes and rules, and none comes from the state exam.
Do attorneys need an Alabama title insurance agent license?
No. Since Act 2016-296, lawyers who hold an Alabama State Bar license are exempt under Section 27-25-3. The attorney must be in good standing and may charge only the insurer's filed rates.
How many times can you retake the Alabama title agent exam?
After two failures the wait is 90 days, and after two more it is 180 days before each later try, under Rule 482-1-148-.06. The waiting periods expire 24 months after the last failure.