• 89 questions

Arkansas Title Insurance Practice Test

Unofficial questions on the Arkansas law behind the Title exam, each answer naming its Code section or rule.

For at least how long a continuous period must an Arkansas title search review matters affecting the title?

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Unofficial practice questions, not affiliated with the Arkansas Insurance Department. Bank checked October 16, 2026.

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All 89 questions

Arkansas Title Insurance Act: searches, policies and disclosures 21

  • A buyer takes a purchase loan and no owner's policy is requested. What must the title agency give the buyer at closing? Ark. Code 23-103-413(b)
  • A purchaser-mortgagor signs the notice that only the lender is insured. For at least how long after the lender's policy takes effect does the closing file keep the signed copy? Ark. Code 23-103-413(b)
  • A title agent denied access to public records complains in writing to the circuit court. Within how many days of filing must the court hear the complaint? Ark. Code 23-103-417(d)
  • A title report offers an owner's policy on the resale of an owner-occupied home. When is the report furnished to the purchaser? Ark. Code 23-103-413(a)
  • A title search misses a recorded defect and a policy issues. What is the insured's exclusive remedy under the Act? Ark. Code 23-103-408(e)
  • An instrument is filed of record in a county office. By when must a title insurance agent have access to it? Ark. Code 23-103-417(b)
  • The bold statement on the first page of an Arkansas title report says who may give legal advice on the status of title. Who? Ark. Code 23-103-413(a)
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Arkansas Title Insurance Act: searches, policies and disclosures, continued

  • By whose underwriting practices is insurability of title determined before an Arkansas policy issues? Ark. Code 23-103-408(c)
  • For at least how long a continuous period must an Arkansas title search review matters affecting the title? Ark. Code 23-103-408(b)
  • From what may the title search behind an Arkansas title policy be made? Ark. Code 23-103-408(a)
  • In searching title for a policy, whose agent is an Arkansas title insurance agent under Section 23-103-408? Ark. Code 23-103-408(d)
  • Is a closing or an escrow "title insurance business" as the Arkansas Act defines the term? Ark. Code 23-103-402(12)
  • Must Arkansas title insurance rates or premiums be filed with the commissioner? 23 CAR § 204-116
  • Section 23-103-405 keeps a title insurer out of which business? Ark. Code 23-103-405(b)
  • What kinds of property may a title insurance policy insure, by the Arkansas Act's definition? Ark. Code 23-103-402(13)
  • What may a county office charge a title insurance agent for access, in the office, to an instrument filed of record? Ark. Code 23-103-417(b)
  • What must appear beneath the countersigning agent's signature on an Arkansas title report or policy? 23 CAR § 204-109
  • Which employee of a title insurance agency needs no title insurance agent license under the Act's definitions? Ark. Code 23-103-402(11)
  • Which of these may a licensed, appointed Arkansas title insurance agency not do? Ark. Code 23-103-403(a)
  • Who keeps an inventory of the numbered policy forms assigned to a title insurance agency? Ark. Code 23-103-410(a)
  • Who must sign a title insurance policy that covers real property located in Arkansas? Ark. Code 23-103-403(b)

Agent licensing, agency contracts and penalties 24

  • A title agency knew it was violating the Act. What is the aggregate penalty cap in any six-month period? Ark. Code 23-103-416(a)
  • A title agency violates the Act without knowing or having reason to know it. What is the largest monetary penalty for each act? Ark. Code 23-103-416(a)
  • A title agent's officers may not sit on a title insurer's board if the agent wrote what share of the insurer's direct premiums last year, absent common control? Ark. Code 23-103-409(2)
  • A title insurance agent lets the license lapse. Within what time after the renewal fee was due may it be reinstated without a new written examination? 23 CAR § 204-104
  • A title insurer signs or ends a contract with a title insurance agency. How soon must it notify the commissioner in writing? 23 CAR § 204-115
  • A title insurer's notice ends an agency contract. Unless the insurer agrees otherwise in writing, what must the agency do on the effective date? Ark. Code 23-103-407(c)
  • After its first year, when is an Arkansas title insurance agent's license renewed? 23 CAR § 204-104
  • An agency contract sets the date by which funds and policies are accounted for to the title insurer. At the latest, how long after the policy issues may that date be? Ark. Code 23-103-407(a)
  • An applicant fails the written examination for the title insurance agent license. How long is the waiting period before reexamination? 23 CAR § 204-104
  • An Arkansas title insurance agent's license is revoked. What becomes of the license itself? 23 CAR § 204-107
  • Besides the commissioner, who may examine a title insurance agency's books and escrow accounts during normal business hours? Ark. Code 23-103-406
  • Each year, on or before the birthday, a nonexempt Arkansas title insurance agent completes approved courses equal to how many hours of instruction? 23 CAR § 204-105
  • How long is the term of an Arkansas title insurance agent license? 23 CAR § 204-104
  • How many of an Arkansas title insurance agent's yearly continuing education hours must be on ethics? 23 CAR § 204-105
  • How much prior title work experience must an applicant for an Arkansas title insurance agent license have? 23 CAR § 204-104
  • How often must a title insurer conduct an on-site audit of each agency authorized to issue its policies? Ark. Code 23-103-411(a)
  • Is a title insurer's audit of its Arkansas agency open to the public? Ark. Code 23-103-411(b)
  • What penalty applies to a title agent license renewal fee received after its due date? 23 CAR § 204-104
  • When do continuing education requirements first apply to a newly licensed title insurance agent? 23 CAR § 204-105
  • When may a title insurance agency assign its agency contract? Ark. Code 23-103-407(b)
  • Where is a complaint sent that a title insurance agent gave legal advice on the status of title without being an attorney? 23 CAR § 204-108
  • Which act does Section 23-103-409 forbid to an Arkansas title insurance agent? Ark. Code 23-103-409(1)
  • Which nonresident may be licensed as an Arkansas title insurance agent? 23 CAR § 204-104
  • Without what may a title insurer not accept business from an Arkansas title insurance agency? Ark. Code 23-103-407(a)

Closings, escrow accounts and closing protection 11

  • A licensee diverts to its own use funds it received as a licensee and was not entitled to. Of what is it guilty upon conviction? Ark. Code 23-64-223(b)
  • A party to a closing with a licensed title insurance agency asks the title insurer in writing for closing protection. What must the insurer do? Ark. Code 23-103-405(c)
  • Against which loss does Arkansas closing protection indemnify? Ark. Code 23-103-405(c)
  • An agency keeps one escrow account for the closings of several title insurers. What must each insurer verify in its audit? Ark. Code 23-103-411(a)
  • The Arkansas Title Insurance Act defines "escrow account". Which account fits the definition? Ark. Code 23-103-402(6)
  • Closing services are provided in Arkansas and title insurance may be issued. What notice must the closing agent give all parties? Ark. Code 23-103-405(c)
  • Evidence of underwriting title and the records of escrow accounts must be kept by an Arkansas title insurer and its agency for at least how long? 23 CAR § 204-112
  • How does a title insurance agency record the parties' choice about closing protection coverage? 23 CAR § 204-113
  • How long before its first use in the market must a title insurer file the form and charge for closing protection coverage? Ark. Code 23-103-405(c)
  • In the Arkansas Act's definitions, which party to a real property transaction is the "depositor"? Ark. Code 23-103-402(3)
  • When may a title insurer not issue a closing protection letter? Ark. Code 23-103-405(c)

Deeds, recording and possession 12

  • A deed grants Arkansas land to two brothers and says nothing about how they hold. What tenancy does it create? Ark. Code 18-12-603
  • Besides possession, what must an Arkansas adverse claimant show under Section 18-11-106? Ark. Code 18-11-106(a)
  • Between grantor and grantee, what does the covenant against encumbrances in an Arkansas deed not cover? Ark. Code 18-12-102(d)
  • How many disinterested witnesses does Section 18-12-104 call for when a deed is executed? Ark. Code 18-12-104
  • Is the certificate of acknowledgment on a recorded Arkansas deed conclusive? Ark. Code 18-12-209(c)
  • May an Arkansas owner create a survivorship tenancy by deeding her land to herself and another person? Ark. Code 18-12-106(b)
  • The owner of a land claim was a minor when the right accrued. How long after reaching full age may the suit still be brought, though the usual period has run? Ark. Code 18-61-101(b)
  • Section 18-61-101 bars a suit for Arkansas lands once how many years have passed since the cause of action accrued? Ark. Code 18-61-101(a)
  • Seven years of tax payments can establish color of title to unimproved and unenclosed land. How many years does wild and unimproved land take? Ark. Code 18-11-106(a)
  • What do the words "grant, bargain and sell" in an Arkansas deed amount to? Ark. Code 18-12-102(b)
  • Who is deemed to be in possession of unimproved and unenclosed Arkansas land? Ark. Code 18-11-102
  • Who records a deed that conveys Arkansas land? Ark. Code 18-12-209(a)

Mortgages, liens and foreclosure 21

  • A paid mortgagee is asked to acknowledge satisfaction. After how many days without doing so does it forfeit a sum to the party aggrieved? Ark. Code 18-40-104(d)
  • A sale brings too little to pay every lien for labor and materials in full. How are the proceeds paid? Ark. Code 18-44-110(a)
  • After an Arkansas statutory foreclosure sale, how long does the borrower have to redeem the property? Ark. Code 18-50-108(b)
  • An Arkansas mechanics' lien lasts no more than how long after it is filed, unless an action is instituted and a lis pendens filed? Ark. Code 18-44-119
  • An owner contests a filed mechanics' lien by filing a bond with surety. In what amount is the bond? Ark. Code 18-44-118(a)
  • From what time do Arkansas liens for labor and materials date? Ark. Code 18-44-110(a)
  • How long after the notice of default and intention to sell is recorded must pass before the trust property may be sold? Ark. Code 18-50-104(a)
  • How long before initiating an Arkansas statutory foreclosure must the mortgagee mail the borrower a copy of the note and the other required records? Ark. Code 18-50-103(2)
  • How many days' notice must a lien claimant give the owner before filing a lien under the Arkansas mechanics' lien subchapter? Ark. Code 18-44-114(a)
  • In an Arkansas county that records other than on paper, what is a marginal notation of satisfaction made after December 31, 1995? Ark. Code 18-40-107(c)
  • May the trustee bid at an Arkansas statutory foreclosure sale? Ark. Code 18-50-107(b)
  • On whose written request does the trustee of an Arkansas deed of trust reconvey the property? Ark. Code 18-40-104(c)
  • What does Section 18-44-117 say of a street address as the description of real property in a lien account? Ark. Code 18-44-117(a)
  • What force does the filing of the notice of default and intention to sell have against later claimants? Ark. Code 18-50-108(c)
  • What has the same effect as a marginal entry of satisfaction on an Arkansas mortgage record? Ark. Code 18-40-107(b)
  • What is the least bid that may be accepted at an Arkansas statutory foreclosure sale? Ark. Code 18-50-107(b)
  • When does an Arkansas mortgage of real estate become a lien on the mortgaged property? Ark. Code 18-40-102
  • Where may an Arkansas statutory foreclosure sale be held? Ark. Code 18-50-107(a)
  • Which act counts as the commencement of construction for Arkansas lien priority? Ark. Code 18-44-110(a)
  • With whom is an Arkansas mechanics' lien account filed? Ark. Code 18-44-117(a)
  • Within how many days after the work is done or the materials furnished must an Arkansas lien account be filed? Ark. Code 18-44-117(a)

How this list was compiled: Own questions, written from the Arkansas Title Insurance Act (Ark. Code 23-103-401 to 23-103-417) and Section 23-64-223; from Title 18 of the Arkansas Code (Sections 18-11-102, 18-11-106, 18-12-102, 18-12-104, 18-12-106, 18-12-209, 18-12-603, 18-40-102, 18-40-104, 18-40-107, 18-44-110, 18-44-114, 18-44-117 to 18-44-119, 18-50-103, 18-50-104, 18-50-107, 18-50-108 and 18-61-101); and from the Arkansas Insurance Department's title insurance rule as codified in the Code of Arkansas Rules, 23 CAR part 204 (formerly Rule 87), read on October 16, 2026 in the copy the Department posts (https://portal.insurance.arkansas.gov/LegalPubsPublic/web/rules/index). The statute text was read the same day in a public copy, not on a state site: Release 78 of the Arkansas Code of 1987, dated 2020-11-06, the bulk data of the Arkansas Code Revision Commission as posted by Public.Resource.Org on the Internet Archive (https://archive.org/details/gov.ar.code). Every section asked was then looked up in the Arkansas General Assembly's tables of Code Sections Amended for each session from 2021 to the 2026 fiscal session (https://www.arkleg.state.ar.us/Acts/CodeSectionsAmended); no subsection asked here has been amended since the copy, and the subsections that have (18-44-110(b)(1), 18-44-115(a)(4), 18-50-102(a)(2)) are not asked. Act 346 of 2025 added subsections (e) and (f) to Section 23-103-417 (instruments provided in electronic format, for a fee of up to $150 a month); the question on access fees names it. The topics follow the Arkansas Title content outline (60 scoreable questions, 150 minutes, 70 percent), which the Arkansas Insurance Department's candidate bulletin of 6/18/2025 links (http://proctor2.psionline.com/programs/AKINS/title.pdf); the Department's site is https://insurance.arkansas.gov/. 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 Arkansas title insurance practice test asks the law behind the Title exam: 89 of our own questions from the Title Insurance Act, the Department's title rule and Title 18 property statutes. Not affiliated with the Arkansas Insurance Department.

Read the full guide

What the real exam holds

The Arkansas Title content outline has two parts and prints no weights: statutes and rules common to all lines of insurance (the commissioner, licensing, producer responsibilities) and those common to title insurance only (policies, coverages and forms; exclusions, conditions and stipulations; title searching and examinations).

What is asked here, and what is not

The title part is asked from the Arkansas Title Insurance Act and the Department's title insurance rule, 23 CAR part 204. Searching and clearing title are asked from Title 18: deeds, recording, adverse possession, mortgage satisfaction, mechanics' liens and statutory foreclosure. Policy forms are not asked, and the all-lines licensing sections are on the Arkansas life and health page.

  • A title search covers at least the last 30 years; the insured's only remedy for a missed defect is a policy claim (Section 23-103-408).
  • Only the title insurer issues closing protection; the agency offers it and takes the parties' election in writing (Section 23-103-405; 23 CAR 204-113).
  • A lien account is filed with the circuit clerk within 120 days, after 10 days' notice to the owner (Sections 18-44-114 and 18-44-117).

Questions and answers

How many questions are on the Arkansas title insurance exam?

60 scoreable questions in 150 minutes, with 70 percent to pass, by the Arkansas Title content outline. The candidate bulletin of 6/18/2025 lists the fee at $50 and says 5 to 10 unscored experimental questions may be added.

What experience do you need for an Arkansas title insurance agent license?

2,000 hours of prior title work, shown by a notarized affidavit from a current or prior employer, under 23 CAR 204-104. The applicant must also be at least 18, pass the written examination and clear a criminal background check.

How much continuing education does an Arkansas title agent need?

Six hours each year, including one hour of ethics, due on or before the licensee's birthday under 23 CAR 204-105. A newly licensed agent owes none until a renewal that follows one full year of licensure.

Does Arkansas require title insurance rates to be filed?

No. 23 CAR 204-116 says Ark. Code 23-67-203 bars the commissioner from requiring title insurance rates or premiums to be filed. Only the form and charge for closing protection are filed, at least 20 days before first use.

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